BlastPoint's Banking Scorecard

Cache Valley Bank

$1B-$10B Specialty: Commercial UT FDIC cert 22134

Logan, UT

25 branches across UT · ID

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in UT.
Deposits +6.0% year over year ($3.1B on the books).
Delinquency rate 0.29%.
Return on assets 1.96%.
Efficiency ratio 39.05% vs a 59.73% peer average.
Loan-to-deposit ratio 86.49% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in UT

View $1B-$10B leaderboard (UT) →

Cache Valley Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 47.3% in tier
+ Efficiency Ratio 20.68% below tier average
+ Net Interest Margin 0.58% above tier average
+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.4% in tier
- Credit Risk Growth: Bottom 23.4% in tier

Get updates when Cache Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$3.5B +5.2% YoY -0.3% QoQ	+$693.5M	$2.8B -0.6% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$2.7B +6.5% YoY +3.1% QoQ	+$718.6M	$2.0B -0.3% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$3.1B +6.0% YoY -0.6% QoQ	+$781.8M	$2.3B -0.5% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	78%
Return on Assets ?	1.96% +15.3% YoY +6.3% QoQ	+0.57%	1.39% +17.0% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	Top 13.0% in tier
Net Interest Margin ?	4.45% +9.0% YoY +5.0% QoQ	+0.58%	3.87% +6.2% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 14.2% in tier
Efficiency Ratio ?	39.05% -3.9% YoY -2.6% QoQ	-20.68%	59.73% -12.6% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Top 6.6% in tier
Delinquency Rate ?	0.29% +10.0% YoY +6.0% QoQ	-0.57%	0.87% +11.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	69%
Loan-to-Deposit Ratio ?	86.49% +0.5% YoY +3.7% QoQ	+1.45%	85.04% -0.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	24.29% +1.5% YoY +8.0% QoQ	+3.02%	21.27% -1.5% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	69%
Nonperforming Asset Ratio ?	0.28% +7.8% YoY +7.7% QoQ	-0.40%	0.67% +11.7% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	12.04% -8.2% YoY +0.9% QoQ	-2.80%	14.84% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.10% -13.0% YoY +85.1% QoQ	-0.42%	0.53% +2.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	Bottom 10.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	24.3% +0.4pp YoY +1.8pp QoQ	+2.9pp	21.4%	20.1%	22.2%	68%
Brokered Deposits	n/a	n/a	9.5%	28.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	10.9% -0.9pp YoY -0.7pp QoQ	-3.1pp	14.0%	25.0%	12.5%	48%
CRE	67.0% +0.2pp YoY +0.1pp QoQ	+17.0pp	50.0%	44.1%	41.4%	85%
1-4 Family	15.8% 0.0pp YoY +0.3pp QoQ	-10.6pp	26.4%	13.8%	31.3%	33%
Consumer	0.5% -0.1pp YoY 0.0pp QoQ	-4.2pp	4.7%	45.8%	5.0%	33%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	12.0% -1.1pp YoY +0.1pp QoQ	-3.6pp	15.6%	25.0%	19.7%	24%
Leverage Ratio	10.7% -0.6pp YoY +0.5pp QoQ	-0.6pp	11.3%	15.7%	12.6%	54%
Total Capital Ratio	13.2% -1.1pp YoY +0.1pp QoQ	-3.5pp	16.7%	26.3%	20.8%	25%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	340 +9 (+2.7%) YoY +1 (+0.3%) QoQ	+26	313	1,029	482	71%
Assets per Employee ($)	$10.3M +2.4% YoY -0.6% QoQ	-$227K	$10.5M	$39.6M	$8.8M	68%
Branch Count	25 +1 (+4.2%) YoY 0 QoQ	+5	20	13	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.6%	0.4%	n/a
Nonaccrual	0.3% 0.0pp YoY 0.0pp QoQ	-0.5pp	0.8%	1.2%	1.0%	30%
Allowance Coverage	4.42x -10.0% YoY -5.9% QoQ	-14.29x	18.71x	7.86x	20.23x	75%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	-0.2pp	0.3%	3.6%	0.2%	66%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	19.4% +3.8pp YoY +0.8pp QoQ	+6.8pp	12.6%	15.9%	11.6%	89%
Cost of Funds (YTD)	2.1% -0.4pp YoY -0.1pp QoQ	+0.1pp	1.9%	2.3%	1.7%	62%
Net Income ($, YTD)	$34.3M +21.9% YoY — QoQ	+$15.1M	$19.2M	$307.8M	$40.4M	85%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#106 of 222 • Top 47.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.96%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#62 of 492 • Bottom 12.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.29%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#95 of 402 • Bottom 23.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 39.05%

Peer Median: 59.73%

#59 of 885 Top 6.6% in $1B-$10B

116

Return on Assets

profitability

Value: 1.96%

Peer Median: 1.39%

#116 of 885 Top 13.0% in $1B-$10B

127

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.87%

#127 of 885 Top 14.2% in $1B-$10B

191

Total Loans

size

Value: $2.68B

Peer Median: $1.96B

#191 of 885 Top 21.5% in $1B-$10B

192

Total Deposits

size

Value: $3.10B

Peer Median: $2.32B

#192 of 885 Top 21.6% in $1B-$10B

211

Total Assets

size

Value: $3.49B

Peer Median: $2.79B

#211 of 885 Top 23.7% in $1B-$10B

Top Weaknesses (1 metrics)

794

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.53%

#794 of 885 Bottom 10.4% in $1B-$10B