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Cache Valley Bank
Logan, UT · FDIC Certificate #22134 · Chartered 10/0
Total assets
$3.49B
Total deposits
$3.10B
Total equity
$365.18M
Net loans
$2.68B
Branches (offices)
24
Net income (YTD)
$34.31M
Rank: #373 of 4,213 U.S. banks by assets · #19 of 44 in Utah. Assets changed 5.2% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.96% |
| Return on equity | 19.39% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 10.47% |
| Tier 1 leverage ratio | 10.68% |
| Uninsured deposits (share of deposits) | 54.4% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 86.5% |
| Real estate loans (share of loans) | 88.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.36B | 88.1% | |
| Commercial & industrial | $291.09M | 10.9% | |
| Consumer / individual | $14.71M | 0.5% | |
| Construction & development | $464.35M | 17.3% | |
| Agricultural | $57.40M | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.91B | $2.58B | $26.31M | $249.06M |
| Jun 2023 | $2.87B | $2.51B | $28.89M | $294.18M |
| Jun 2024 | $2.92B | $2.57B | $25.98M | $332.21M |
| Jun 2025 | $3.32B | $2.93B | $28.14M | $368.42M |
| Jun 2026 | $3.49B | $3.10B | $34.31M | $365.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $2.99B | 23 |
| Idaho | $109.44M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.10B.
Similar-sized banks
The Farmers & Merchants State Bank ($3.49B) · Ponce Bank, National Association ($3.49B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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