Cache Valley Bank: how it compares with its peers
Against 11 UT banks with half to twice its assets, Cache Valley Bank's strongest measure in Q2 2026 is efficiency ratio (39.05% vs. a 45.84% peer median). Its weakest relative measure is assets per employee ($10.3M vs. $11.4M).
| Measure | Cache Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.96% | 2.06% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 6.05% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.05% | 45.84% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.3M | $11.4M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.49% | 99.24% | Context |
What it means for lending operations
Its efficiency ratio of 39.05% is better than the 45.84% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Utah Ogden, UT · $3.79B
- Nelnet Bank Draper, UT · $3.00B
- WebBank Salt Lake City, UT · $2.86B
- Medallion Bank Salt Lake City, UT · $2.83B
- State Bank of Southern Utah Cedar City, UT · $2.74B
- Sunwest Bank Sandy, UT · $4.41B
Questions about Cache Valley Bank
How big is Cache Valley Bank?
Cache Valley Bank, established in 1975, is headquartered in Logan, UT. It reported $3.49B in total assets in its Q2 2026 FDIC call report and operates 25 offices.
What is Cache Valley Bank's return on assets?
1.96% annualized in Q2 2026, against a 2.06% median for 11 UT banks with half to twice its assets, ahead of 45% of them.
What is Cache Valley Bank's efficiency ratio?
39.05% in Q2 2026: it spent about 39 cents in noninterest expense for each dollar of revenue. The peer median is 45.84%, and lower is better.
Is Cache Valley Bank growing its loans?
Net loans grew 6.5% over the year to Q2 2026, while deposits grew 6.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are UT banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Utah bank ranked.