# CASHMERE VALLEY BANK
CASHMERE, WA · FDIC certificate 1265 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.32B | |
| Deposits | $1.96B | |
| Loans and leases | $1.03B | |
| Total equity | $257.9M | |
| Loans / deposits | 52.06% (p5 of band) | 87.10% |
| Liquid assets / assets | 51.60% (p96 of band) | |
| Uninsured deposits / deposits | 32.95% (p56 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.50% (p39 of band) | |
| FHLB advances / assets | 3.50% | |
| Tier 1 leverage | 12.50% (p80 of band) | 10.50% |
| Unrealized securities loss / equity | -20.35% (p19 of band) | -7.75% |
| AOCI / equity | -0.56% (p32 of band) | |
| ROA (annualized) | 1.10% (p38 of band) | 1.26% |
| Net interest margin | 3.17% (p21 of band) | 3.70% |
| Efficiency ratio | 60.49% (p55 of band) | |
| Noncurrent loans | 0.35% (p36 of band) | 0.51% |
| Net charge-offs (annualized) | 0.17% (p83 of band) | |
| Reserve coverage of noncurrent | 320.22% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 14.60% (p13 of band) | |
| Auto loans | $209.7M (20.29% of loans; DQ 2.14%, NCO 0.12%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 310 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | capital falling, auto book souring |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | auto book souring |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity, auto book souring |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 5 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 6 | charge-offs p90 |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 4 |  | assets shrinking, uninsured deposits leaving |
| 2024-03 | 2 |  | deposits shrinking, charge-offs p90 |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-25 [Embattled bank names next CEO after investor challenge - Banking Dive](https://news.google.com/rss/articles/CBMiggFBVV95cUxNQktHTzQ5RkNsWnJuaXVUWUQ2ZUpKZGxzVWxzLWMxdC1zT2JTa3FsUVNFQlBpN2l6bGpfR1RnbmRxX3Z2TEZra05ES0kyTVZieUpZUjN5YUllSG00c0Q2OUtLOFFMRzlCbDU3dG1QU2NjT2g2RkdHMkpkWVc2cWtfWGVB?oc=5) · Banking Dive
- 2026-08-18 [Cashmere Valley Bank Board Selects Len Devaisher as Next President and Chief Executive Officer - Yahoo Finance](https://news.google.com/rss/articles/CBMioAFBVV95cUxOU2RIWlRIeTBPcHNQcGo4bUNqVXhuOHlQbmQ4TFQxOEhZOHU2dGloV3J5eGMtR1U3LTZyOUtrS1F2QXZoSXVoLU9FeHA5V3Z3czJla3N4OWx1WkF4MHViTEx0clY0aFhPN0xvMWNXbl9kRVZSWjJLakgxVU1EVkNlbFZsd0EwcGR0cjZ5RzBIUlM2aTQxXzdmeHA1YzIwVzU4?oc=5) · Yahoo Finance
- 2026-08-06 [Cashmere Valley Bank Stock Is A Bargain Under $100 (OTCMKTS:CSHX) - Seeking Alpha](https://news.google.com/rss/articles/CBMilAFBVV95cUxNa0tNTl9XWE5ybDFuTWI5YjNEUmlGV3l1bXJCVGZ5VnB3X01OcXRXMWFERVpHekdoME0zWUJBU1BuckRrcG5oNlh2LXF3WFRrUmttMUVGTjVMVGlweFFiMkp1bjUwd2FpY181T1A1bHhoRGtiN0ZYLVhuTUpJOFpwZ2tUdWlCSWUtVkxVUXA5UElFYmp5?oc=5) · Seeking Alpha
- 2026-07-22 [Cashmere Valley Bank Reports Increased Quarterly Earnings of $6.9 million, Year to Date Earnings of $12.7 million - ACCESS Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNZTFVVGd5ZkVDazFGTkFzZkV5cmtkN1hULWxFNHQ4U0RiRC13VlljdFRPZkJCQjVKYTY1N3I0bFNsZHdOQnVTaEp5SnZ6VTg1N2VIS2V3alVnN2VDOWRSNzB3NEE0eEUtUE1rS0FtSkRRb3B6SDB4NmJKMzduem1CRzNKc3dacGk4dW5wZUxyX1Bwc2c0TEstRkNQQzRuYmVfVE5ialVYb0xZUmkzQXRRVVAwaXhHYkVNNU9WV2pyZmdQdW5sVUo1OExvNmd1Vjl2VFZLWmx1VE9vRjZDRndxUlRxWUU?oc=5) · ACCESS Newswire
- 2026-08-18 [Cashmere Valley Bank Board Selects Len Devaisher as Next President and Chief Executive Officer - Eagle-Tribune](https://news.google.com/rss/articles/CBMijAJBVV95cUxQOEVORzA3cEZQc2tkMmFlMUpNV0llNVJOLWdIX2ppYzZfZmFydzZ6ckZGeHVMTWFsRS1PdU9Lb20xUXZLQUNhaWpYNjNmcEhQMXptWjRDMHMyelpLVzJxNmdjNXNfRmZYeGw3T2prV1VRYURBUDFEVWxRc3BwZ3FtY0JVeElkb0NuSEVUYkJvbFJJZmgxUHlHbEpnT19LLXJuNUNKcTF2RXBqTTd1aWpGVTV6R0tDV3dTaWJReXk3VDBTZzlCaWRyNmoxMG42NWRuSE5leHIyZm1uQWdaSzRWOE5aMDVyYTF3cmNFUzIzSHlpdEhpVjRZMmxwdUd0VGx2NU5udVdFbGR4RXQ4?oc=5) · Eagle-Tribune
- 2026-07-29 [Activist investor prods Washington bank to sell - Banking Dive](https://news.google.com/rss/articles/CBMimgFBVV95cUxPWGhuT2pGUGJONHAwblpxVnhpN1pUb3VuVzZoOWY1RnJ0VTIxQko3ajNIN1ZJSXN4ZUNqYmkydU91bW1iSUl3c0ZXNGtIRTNkZnRDS3ZkbU00cWNaOWdBcFdyZkdlLVhGakxrekRIa2hleTJsQU9VRDA0LUFraWRJNXJNNGg1a2ctcDhWeHRvQmUzMHNxaEdVRVJ3?oc=5) · Banking Dive
- 2026-06-14 [Cashmere Valley Bank Review - SmartAsset](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRVlMeW1ybnYyR0JDOEU5X1VkZDJ1WUpBQW0wNmlwRUI0RjVTSGdQWTFJNE80V2dsdVd3Z05LYlFtRGVpb1VkQi1mYldTLThzUlRST2NLellaNUEzVHR3VEJldEJsaUhhYXlMajUzVncwMUNlaFZzLTRXUWVYNUozam1YbnA?oc=5) · SmartAsset
- 2026-07-23 [Cashmere Valley Bank Board of Directors Comments on Shareholder Communications - Yahoo Finance](https://news.google.com/rss/articles/CBMiowFBVV95cUxQbVRuZGNsSmV5dEV0Vlp2SnVlWHFhZTB2UlA4SFg3TURNUGhsVFN5cDFEbUVKekxuR1cwejFVNTN1amZfTDRuZVZ2d0pYbGxqVEV6dXZpcUJDVVFNWHNCaDNSLWdBVXRyOWsyQURfV2JMcTYydjltMDFMdFdlUVktNEN4QWxSOUJkY18tcVp1U2Z4RU5QRVNoaGRRTkpocEp0ZThB?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1265 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "1265", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide