Cache Valley Bank (FDIC #22134): Bank Stress & Real-Estate Credit Exposure
Cache Valley Bank (FDIC Cert #22134): bank stress 50/100, moderate, STABLE over 7 days; parent CACHE VALLEY BANKING CO.
Cache Valley Bank (#22134) lends in 12 counties across 2 states; Cache Valley Bank (#22134) reaches 175 ZIP codes: Utah 11 counties, 168 ZIPs; Idaho 1 county, 7 ZIPs.
Cache Valley Bank (#22134) largest markets: Salt Lake County, UT (42 branches, 42 ZIPs) (#22134), Utah County, UT (26 branches, 26 ZIPs) (#22134), Washington County, UT (84 branches, 21 ZIPs) (#22134), Cache County, UT (126 branches, 18 ZIPs) (#22134), Sanpete County, UT (45 branches, 15 ZIPs) (#22134), Davis County, UT (26 branches, 13 ZIPs) (#22134).
Cache Valley Bank (#22134) reports $3.49 billion in total assets; Cache Valley Bank (#22134) equity $365.2 million (10.5% of Cache Valley Bank (#22134) assets); Cache Valley Bank (#22134) domestic deposits $3.10 billion; Cache Valley Bank (#22134) net income $34.3 million; Cache Valley Bank (#22134) return on assets 1.96%; Cache Valley Bank (#22134) return on equity 19.39%; Cache Valley Bank (#22134) net interest income $74.3 million; Cache Valley Bank (#22134) call report June 30, 2026.
Cache Valley Bank (#22134) noncurrent real-estate loans: none reported; Cache Valley Bank (#22134) net charge-offs on real estate 0.16%; Cache Valley Bank (#22134) commercial charge-offs 1.72%; Cache Valley Bank (#22134) residential charge-offs 0.01%.
Cache Valley Bank (#22134) net interest margin 4.45% against an eight-quarter Cache Valley Bank (#22134) average of 4.23% (Cache Valley Bank (#22134) compression -0.23 points); Cache Valley Bank (#22134) commercial real estate 172.3% of equity; Cache Valley Bank (#22134) non-residential real estate 1.4% of equity; Cache Valley Bank (#22134) rate-exposure score 57/100, Cache Valley Bank (#22134) fixed-rate trap 57/100; Cache Valley Bank (#22134) risk type rate trapped; Cache Valley Bank (#22134) rate regime rates elevated, Cache Valley Bank (#22134) snapshot October 19, 2026.
Cache Valley Bank (#22134) stress score moved from 52.2 on June 22, 2026 to 49.8 on October 19, 2026; Cache Valley Bank (#22134) ranged 49.8 to 52.2 over 116 snapshots.
Cache Valley Bank (#22134) alerts: 12 counties; top Cache Valley Bank (#22134) alert scores: Washington County, UT 37 (moderate); Cedar City County, UT 20 (low); Layton County, UT 20 (low); Lehi County, UT 20 (low); Loa County, UT 20 (low).