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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · Washington, the state note

Cashmere Valley Bank

Cashmere, Washington · $2.32B in assets · beside the 8 other Washington banks between $1B and $3B

The filing

52.6%
Loans / deposits
1st of 9
+6.3%
Loans, year over year
1st of 9, largest first
1.09%
ROA
3rd of 9

Cashmere Valley Bank is the second largest of the 9 Washington banks between $1B and $3B, with $2.32B in assets at 30 June 2026. Loans are 52.6% of deposits, the lowest in the cohort against a median of 86.4%, and equity is 11.1% of assets, 6th of 9. Loans grew +6.3% in the year, the fastest in the cohort, and deposits grew 6.7%; the cohort's median loan growth is +2.4%.

Noncurrent loans are 0.35% of the book, 5th of 9 against a median of 0.35%; 0.33% is 30 to 89 days past due, and the allowance covers them 3.2 times. Net charge-offs are 0.38% of loans, the highest in the cohort. Commercial real estate is 37.7% of loans, 5th of 9 against a median of 37.7%, and 135% of capital, below the 300% screen, with construction at 13% against the 100% screen.

Return on assets is 1.09%, 3rd of 9 against a median of 0.94%, on an efficiency ratio of 61.4%, 3rd of 9. Five years ago it was 1.36%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsWA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 86.4% CV Cashmere Valley Bank 52.6% YF Yakima Federal Savings & Loan Association 66.6% Bo Bank of the Pacific 69.2% TB Timberland Bank 86.0% RB Riverview Bank 86.4% PB Peoples Bank 93.0% SC Sound Community Bank 95.4% FF First Fed Bank 100.0% OF Olympia Federal Savings & Loan Association 121.7%
Loans, year over yearWA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +2.4% CV Cashmere Valley Bank +6.3% YF Yakima Federal Savings & Loan Association +4.6% TB Timberland Bank +3.9% Bo Bank of the Pacific +3.2% RB Riverview Bank +2.4% OF Olympia Federal Savings & Loan Association +1.1% SC Sound Community Bank -1.4% PB Peoples Bank -2.4% FF First Fed Bank -3.0%

SBA 7(a), FY2008 to FY2026

Cashmere Valley Bank is the 131st largest 7(a) lender into Washington of 281, with $7M across 28 loans, 0.1% of everything approved in the state (U.S. Bank, National Association leads with $933M). 4 of its 4 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Washington, 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
Chelan, WA$5M10th of 503.2%quiet FY2018
Douglas, WA$2M10th of 244.0%quiet FY2015
Grant, WA$369K45th of 600.2%quiet FY2014
Okanogan, WA$189K24th of 320.5%quiet FY2015
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
Retail trade8$4M57.5%0.01%835th of 2,589
Accommodation & food services4$824K12.4%0.00%1695th of 2,596
Construction2$648K9.8%0.00%1365th of 2,063
Other services5$614K9.3%0.00%1395th of 2,248
Professional & technical services3$245K3.7%0.00%1510th of 1,955
7(a) lenders into Washington, share of approvals since FY2008281 lenders on record; the ten largest and Cashmere Valley Bank
UB U.S. Bank, National Association 6.9% $933M · 3,630 loans CB Columbia Bank 6.7% $907M · 2,786 loans KN KeyBank National Association 5.5% $735M · 1,921 loans Bo Bank of Hope 4.9% $658M · 702 loans LO Live Oak Banking Company 4.4% $598M · 424 loans WF Wells Fargo Bank National Associa… 3.9% $518M · 1,645 loans BB Banner Bank 3.5% $467M · 2,139 loans RL Readycap Lending, LLC 3.3% $440M · 406 loans HB Heritage Bank 3.2% $437M · 947 loans U Unibank 2.8% $384M · 420 loans CV Cashmere Valley Bank 0.0% $7M · 28 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, Cashmere Valley Bank among them; owner-occupied excluded; bold marks a screen met
Cashmere Valley BankRankCohort median
Total CRE against capital, the 300% screen135%3rd of 9232%
Construction against capital, the 100% screen13%2nd of 924%
Construction and land development, share of loans3.6%3rd of 93.9%
Non-owner-occupied nonfarm nonresidential, share of loans21.5%5th of 921.5%
Total CRE, the guidance definition, share of loans37.7%5th of 937.7%
CRE growth over 36 months, the third prong+3.8%4th of 9+4.6%

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
Peoples Bank$2.42B1.0%73.7%0.11%0.00%1.5%93.0%13.3%
Cashmere Valley Bank$2.32B1.1%61.4%0.35%0.38%1.1%52.6%11.1%
First Fed Bank$2.11B0.2%94.7%1.28%0.04%1.0%100.0%8.6%
Timberland Bank$2.06B1.5%53.9%0.56%0.00%1.3%86.0%13.2%
Yakima Federal Savings & Loan Association$2.00B0.9%52.4%0.28%0.00%0.6%66.6%27.7%
Riverview Bank$1.47B-0.8%83.2%0.80%0.19%1.4%86.4%11.4%
Bank of the Pacific$1.26B1.1%70.0%0.04%0.02%1.2%69.2%11.0%
Sound Community Bank$1.07B0.9%71.9%0.90%0.01%0.9%95.4%11.0%
Olympia Federal Savings & Loan Association$1.02B0.4%84.0%0.26%0.00%0.6%121.7%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Cashmere Valley BankCohort median
20212026Change20212026Change
Loans$942M$1.03B+10%$889M$1.03B+16%
Deposits$1.87B$1.96B+5%$1.47B$1.37B-7%
NPA / loans0.09%0.35%+0.26 pts0.20%0.35%+0.15 pts
Efficiency54.6%61.4%+6.8 pts65.1%71.9%+6.8 pts
ROA1.36%1.09%-0.27 pts1.13%0.94%-0.19 pts

This read was prepared for Cashmere 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 Cashmere 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 WA banks $1B to $3B
Institution www.cashmerevalleybank.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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