Total Assets
$3.5B
Total balance-sheet footings
FDIC Cert #22134 · Logan, Utah · Est. 1975
Cache Valley Bank - FDIC Bank Health Profile
A community-scale look at Cache Valley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.5B
- Total assets
- A
- Health grade · Excellent
- 1.88%
- Return on assets
- 11.9%
- Tier 1 capital
Data updated July 2026
The verdict
Cache Valley Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 11.94% Tier 1, profitable at 1.88% ROA, efficient (43% cost ratio).
- #367
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 11.94%
- Tier 1 ratio - above the 10% well-capitalized line
- 88th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Cache Valley Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Cache Valley Bank's composite health score
Tier 1 Capital Ratio (11.94%) 28/40
Return on Assets (ROA) (1.88%) 25/25
Texas Ratio (1.43%) 20/20
Efficiency Ratio (43.27%) 15/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.2B
Customer-funded liabilities
Net Loans
$2.5B
Outstanding loan book
Net Income
$64M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Cache Valley Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cache Valley Bank's score of 88/100 falls in the highlighted band.
Cache Valley Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Cache Valley Bank's $3.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.94% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.94%
Texas Ratio
1.43%
Equity Capital
$344M
Profitability metrics
Return on Assets (ROA)
88th percentile nationally
1.88%
Return on Equity (ROE)
17.77%
Efficiency Ratio
43.27%
What the numbers say about Cache Valley Bank
Cache Valley Bank is an FDIC-insured institution (Certificate #22134) headquartered in Logan, Utah, established in 1975. It holds $3.5B in total assets - 367th of 4,313 FDIC-insured banks, $3.2B in customer deposits, and $2.5B in net loans. Its capital position: a Tier 1 ratio of 11.94%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.43% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Cache Valley Bank sits in the top decile of all FDIC-insured institutions by asset size (367th of 4,313), and within Utah it ranks 19th of 42 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is WebBank, at $2.9B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$216M
Interest Income
$6M
Non-Interest Income
$62M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Cache Valley Bank reports a Texas Ratio of 1.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Utah by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cache Valley Bank (FDIC Cert #22134) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Morgan Stanley Bank, National AssociationSalt Lake City | $253.3B | A | 1.86% |
| American Express National BankSandy | $211.3B | A | 3.89% |
| Ally BankSandy | $184.6B | A | 0.91% |
| UBS Bank USASalt Lake City | $119.3B | A | 1.13% |
| Synchrony BankDraper | $112.1B | A | 2.89% |
| Zions Bancorporation, N.A.Salt Lake City | $89.0B | B | 1.01% |
| SoFi Bank, National AssociationCottonwood Heights | $46.6B | A | 1.96% |
| Sallie Mae BankSalt Lake City | $29.7B | A | 2.90% |
Frequently asked questions
What is Cache Valley Bank's health grade?▼
Cache Valley Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Cache Valley Bank?▼
Cache Valley Bank holds $3.5B in total assets and $3.2B in deposits, ranking 367th of 4,313 FDIC-insured banks by asset size. It is headquartered in Logan, Utah.
Is my money safe at Cache Valley Bank?▼
Yes, deposits at Cache Valley Bank (Certificate #22134) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Cache Valley Bank's Tier 1 Capital Ratio?▼
Cache Valley Bank has a Tier 1 Capital Ratio of 11.94%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Cache Valley Bank?▼
Cache Valley Bank has a Texas Ratio of 1.43%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Cache Valley Bank?▼
Cache Valley Bank has an Efficiency Ratio of 43.27%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Cache Valley Bank's profile as a depositor or analyst.
- Cache Valley Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Cache Valley Bank against other Utah banks before moving funds. Utah banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.