| Metric | Cache Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +5.5% | -0.3 pts |
| Deposit growth (YoY) | +6.0% | +5.1% | +0.9 pts |
| Loan growth (YoY) | +6.5% | +5.9% | +0.6 pts |
| ROA | 1.96% | 1.26% | +0.7 pts |
| ROE | 19.4% | 12.2% | +7.2 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.49B | $3.10B | $2.68B | $365.2M | $34.3M | 1.96% | 4.45% | 0.28% |
| Q1 2026 | $3.50B | $3.12B | $2.60B | $352.6M | $16.2M | 1.84% | 4.24% | 0.26% |
| Q4 2025 | $3.53B | $3.16B | $2.53B | $343.7M | $64.1M | 1.88% | 4.20% | 0.21% |
| Q3 2025 | $3.59B | $3.18B | $2.56B | $380.1M | $44.8M | 1.77% | 4.15% | 0.20% |
| Q2 2025 | $3.32B | $2.93B | $2.52B | $368.4M | $28.1M | 1.70% | 4.08% | 0.26% |
| Q1 2025 | $3.34B | $2.95B | $2.43B | $359.6M | $13.6M | 1.64% | 3.95% | 0.28% |
| Q4 2024 | $3.28B | $2.91B | $2.37B | $351.7M | $54.4M | 1.81% | 4.34% | 0.27% |
| Q3 2024 | $3.14B | $2.77B | $2.39B | $343.3M | $41.5M | 1.88% | 4.39% | 0.23% |
Loan mix (Q2 2026): real estate $2.36B · commercial $291.1M · consumer $14.7M · securities $156.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cache Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 1.26% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 12.2% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.0% | 59.0% | 7th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cache Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cache Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cache Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cache Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.