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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Utah, the state note

Cache Valley Bank

Logan, Utah · $3.49B in assets · beside the 5 other Utah banks between $3B and $10B

The filing

292.0%
CRE / capital
5th of 6
87.6%
Loans / deposits
2nd of 6
0.29%
NPA / loans
2nd of 6

Cache Valley Bank is the smallest of the 6 Utah banks between $3B and $10B, with $3.49B in assets at 30 June 2026. Loans are 87.6% of deposits, 2nd of 6 against a median of 102.1%, and equity is 10.5% of assets, 4th of 6. Loans grew +6.5% in the year, 3rd of 6, and deposits grew 6.0%; the cohort's median loan growth is +5.4%.

Noncurrent loans are 0.29% of the book, 2nd of 6 against a median of 2.06%; 0.12% is 30 to 89 days past due, and the allowance covers them 4.4 times. Commercial real estate is 43.1% of loans, 4th of 6 against a median of 30.3%, and 292% of capital, below the 300% screen, with construction at 116% against the 100% screen.

Return on assets is 2.01%, 3rd of 6 against a median of 1.81%, on an efficiency ratio of 39.1%, 3rd of 6. Five years ago it was 2.16%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenUT banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 140% MB Merrick Bank 0% GD Green Dot Bank dba Bonneville 1% CB Celtic Bank 11% Bo Bank of Utah 270% CV Cache Valley Bank 292% SB Sunwest Bank 327%
Loans, year over yearUT banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.4% CB Celtic Bank +37.6% SB Sunwest Bank +14.8% CV Cache Valley Bank +6.5% Bo Bank of Utah +4.3% MB Merrick Bank +1.5% GD Green Dot Bank dba Bonneville -8.0%

SBA 7(a), FY2008 to FY2026

Cache Valley Bank is the 15th largest 7(a) lender into Utah of 235, with $166M across 452 loans, 2.3% of everything approved in the state (Zions Bank, A Division of leads with $814M). 61 of its 99 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Utah, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Salt Lake, UT$43M18th of 1641.4%-0.3 pts
Cache, UT$35M2nd of 5418.5%-31.4 pts
Washington, UT$25M7th of 865.6%-7.1 pts
Davis, UT$16M13th of 1012.7%-1.2 pts
Weber, UT$15M8th of 873.6%-5.5 pts
Uintah, UT$7M3rd of 305.5%quiet FY2016
San Joaquin, CA$6M38th of 1300.7%+1.6 pts
Box Elder, UT$6M3rd of 387.9%-34.4 pts
Tooele, UT$6M8th of 514.4%-1.7 pts
Wayne, MI$5M54th of 1640.3%quiet FY2015
Sweetwater, WY$5M2nd of 2910.7%quiet FY2015
Prowers, CO$5M2nd of 1619.4%-87.8 pts
Utah, UT$5M37th of 1350.3%-0.3 pts
86 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services66$37M14.9%0.05%265th of 2,596
Health care & social assistance78$31M12.7%0.07%190th of 2,172
Manufacturing73$28M11.2%0.07%236th of 2,246
Retail trade67$26M10.4%0.04%278th of 2,589
Other services38$20M8.2%0.06%223rd of 2,248
7(a) lenders into Utah, share of approvals since FY2008235 lenders on record; the ten largest and Cache Valley Bank
ZB Zions Bank, A Division of 11.2% $814M · 5,725 loans MA Mountain America FCU 7.4% $538M · 3,076 loans CB Community Banks of Colorado, A Di… 5.5% $399M · 434 loans CB Celtic Bank Corporation 5.3% $386M · 660 loans AF America First Federal Credit Union 5.1% $374M · 905 loans WF Wells Fargo Bank National Associa… 5.0% $363M · 1,135 loans LO Live Oak Banking Company 4.3% $315M · 237 loans UB U.S. Bank, National Association 4.0% $293M · 1,066 loans FU First Utah Bank 3.7% $267M · 349 loans GB Glacier Bank 3.6% $261M · 610 loans CV Cache Valley Bank 2.3% $166M · 452 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Cache Valley BankRankCohort median
Total CRE against capital, the 300% screen292%5th of 6140%
Construction against capital, the 100% screen116%6th of 624%
Construction and land development, share of loans17.1%6th of 63.6%
Non-owner-occupied nonfarm nonresidential, share of loans23.7%4th of 614.7%
Total CRE, the guidance definition, share of loans43.1%4th of 630.3%
CRE growth over 36 months, the third prong+29.2%1st of 5+52.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Merrick Bank$9.13B2.5%33.6%3.52%11.62%15.4%117.2%17.6%
Green Dot Bank dba Bonneville$5.44B1.5%92.5%3.56%66.62%17.3%0.8%5.8%
Celtic Bank$5.33B3.3%33.2%3.63%0.46%1.6%117.3%17.4%
Sunwest Bank$4.41B1.6%61.6%0.60%0.00%1.8%103.7%9.3%
Bank of Utah$3.79B1.3%61.6%0.15%0.22%1.2%100.4%12.3%
Cache Valley Bank$3.49B2.0%39.1%0.29%0.09%1.3%87.6%10.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Cache Valley BankCohort median
20212026Change20212026Change
Loans$1.92B$2.72B+41%$1.78B$3.24B+82%
Deposits$2.12B$3.10B+46%$1.97B$3.65B+85%
NPA / loans0.20%0.29%+0.09 pts0.31%2.06%+1.75 pts
Efficiency35.5%39.1%+3.6 pts34.3%50.3%+16.0 pts
ROA2.16%2.01%-0.15 pts2.01%1.81%-0.21 pts

This read was prepared for Cache Valley Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Cache Valley Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort UT banks $3B to $10B
Institution cachevalleybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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