BlastPoint's Banking Scorecard
Cache Valley Bank
Community
Specialty: Commercial
UT
FDIC cert 22134
Logan, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Cache Valley Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.36% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+7.4% YoY
-1.7% QoQ
|
+$2.1B |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$2.5B
+6.5% YoY
-1.3% QoQ
|
+$1.6B |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$3.2B
+8.8% YoY
-0.8% QoQ
|
+$2.0B |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.88%
+4.0% YoY
+6.3% QoQ
|
+0.71% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.20%
-3.2% YoY
+1.2% QoQ
|
+0.53% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
43.27%
+2.1% YoY
-2.4% QoQ
|
-19.36% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.21%
-26.8% YoY
+3.1% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
80.00%
-2.1% YoY
-0.5% QoQ
|
-3.06% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
22.12%
-5.6% YoY
-5.1% QoQ
|
+1.07% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.21%
-23.0% YoY
+3.0% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
11.94%
-10.8% YoY
-9.5% QoQ
|
+1.69% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.18%
+88.5% YoY
+9.8% QoQ
|
-0.56% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
43.27%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.18%
(Tier avg: 0.74%, National avg: 0.65%)
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
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
95
95th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
93
93th pctile
Efficiency Ratio
Current: 43.27% · Tier avg: 62.63%
89
89th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
68
68th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
62
62th pctile
Loan-to-Deposit Ratio
Current: 80.00% · Tier avg: 83.06%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.12% · Tier avg: 21.05%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.94% · Tier avg: 10.24%
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.94% · Tier avg: 10.24%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.12% · Tier avg: 21.05%
62
62th pctile
Loan-to-Deposit Ratio
Current: 80.00% · Tier avg: 83.06%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
68
68th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
89
89th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%
93
93th pctile
Efficiency Ratio
Current: 43.27% · Tier avg: 62.63%
95
95th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B