| Metric | Cashmere Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +5.5% | +0.3 pts |
| Deposit growth (YoY) | +6.7% | +5.1% | +1.7 pts |
| Loan growth (YoY) | +6.4% | +5.9% | +0.5 pts |
| ROA | 1.10% | 1.26% | -0.2 pts |
| ROE | 9.7% | 12.2% | -2.5 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.32B | $1.96B | $1.02B | $256.6M | $12.7M | 1.10% | 3.17% | 0.16% |
| Q1 2026 | $2.30B | $1.94B | $960.8M | $258.0M | $5.8M | 1.01% | 3.11% | 0.19% |
| Q4 2025 | $2.27B | $1.90B | $941.6M | $271.3M | $29.2M | 1.33% | 3.33% | 0.20% |
| Q3 2025 | $2.26B | $1.90B | $952.5M | $261.3M | $22.1M | 1.36% | 3.31% | 0.22% |
| Q2 2025 | $2.19B | $1.84B | $960.2M | $248.5M | $14.4M | 1.34% | 3.30% | 0.20% |
| Q1 2025 | $2.12B | $1.83B | $955.0M | $239.4M | $6.4M | 1.21% | 3.28% | 0.17% |
| Q4 2024 | $2.12B | $1.84B | $949.6M | $231.4M | $28.2M | 1.35% | 3.26% | 0.17% |
| Q3 2024 | $2.11B | $1.82B | $984.9M | $232.4M | $21.1M | 1.36% | 3.26% | 0.14% |
Loan mix (Q2 2026): real estate $565.8M · commercial $145.4M · consumer $223.5M · securities $962.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cashmere Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.26% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.2% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 59.0% | 55th |
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 | Cashmere 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 | Cashmere Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Cashmere 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 | Cashmere 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 | Cashmere 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.
12 branches in 4 counties across 1 state (+0 vs 2024) · $1.84B branch deposits. Biggest market: Chelan, WA, ranked 1st with 42.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chelan, WA | 7 | $1.19B | 42.08% | 1st |
| Kittitas, WA | 2 | $296.3M | 22.03% | 1st |
| Douglas, WA | 1 | $285.6M | 28.64% | 1st |
| 1 more county with Pro → | ||||
Washington: 29th with 0.63% · Wenatchee-East Wenatchee metro: 1st, 38.59% · Yakima metro: 15th, 1.12% ·
Branch count: 2022 12 · 2023 12 · 2024 12 · 2025 12