Cache Valley Bank: Bank Stress & Real-Estate Credit Exposure

Cache Valley Bank (FDIC Cert #22134) carries a DLRadar bank-stress score of 50/100, a moderate reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Its lending reaches counties such as Salt Lake County, UT, Washington County, UT, Cache County, UT, Sanpete County, UT, each tied back to DLRadar's distress signals. Because Cache Valley Bank is held under Cache Valley Banking Co, its financials are open to scrutiny and its trend can be independently checked. Cache Valley Bank runs a compact, regionally concentrated real-estate lending footprint — 11 U.S. counties across 2 states, spanning 151 ZIP codes. It concentrates most in Utah (10 counties), Idaho (1 county). Rather than a standalone rating, the moderate score is tied to real markets — every one of the 151 ZIP codes Cache Valley Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Read against its 11-county reach, a moderate score sets the credit tone for every market on its map. No bank is too small to score the same way: Cache Valley Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 11-county, 151-ZIP profile means exactly what it would for any institution nationwide. What separates this from a plain credit rating is the geographic weighting — Cache Valley Bank's 50/100 reading reflects not just its balance sheet but the 11 counties it lends into, so the score doubles as a map of where its stress will land first.

The acquisition angle is simple — lending capacity is what moves deals. As Cache Valley Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. The result is an early, auditable read on supply, every figure anchored to public data.