BlastPoint's Banking Scorecard
Cashmere Valley Bank
Community
Specialty: Other
WA
FDIC cert 1265
Cashmere, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Cashmere Valley Bank shows strong momentum with 1 strength and 7.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 33.52% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+7.2% YoY
+0.5% QoQ
|
+$881.9M |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$941.6M
-0.8% YoY
-1.1% QoQ
|
-$33.9M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$1.9B
+3.4% YoY
+0.2% QoQ
|
+$736.2M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.33%
-1.6% YoY
-1.9% QoQ
|
+0.17% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.33%
+2.3% YoY
+0.6% QoQ
|
-0.33% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
56.95%
-0.3% YoY
-0.4% QoQ
|
-5.68% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.48%
+31.7% YoY
-8.1% QoQ
|
-0.15% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
49.54%
-4.1% YoY
-1.3% QoQ
|
-33.52% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.23%
-1.3% YoY
-3.2% QoQ
|
+0.18% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.20%
+22.4% YoY
-8.5% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.05%
-0.6% YoY
+32.2% QoQ
|
+0.31% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
49.54%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Loan-to-Deposit Ratio
Current: 49.54% · Tier avg: 83.06%
87
87th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.74%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
67
67th pctile
Efficiency Ratio
Current: 56.95% · Tier avg: 62.63%
65
65th pctile
Total Loans
Current: $941.6M · Tier avg: $975.5M
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.23% · Tier avg: 21.05%
48
48th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.63%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
48
48th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.63%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.23% · Tier avg: 21.05%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
65
65th pctile
Total Loans
Current: $941.6M · Tier avg: $975.5M
67
67th pctile
Efficiency Ratio
Current: 56.95% · Tier avg: 62.63%
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
87
87th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.74%
97
97th pctile
Loan-to-Deposit Ratio
Current: 49.54% · Tier avg: 83.06%