# CACHE VALLEY BANK
LOGAN, UT · FDIC certificate 22134 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $3.49B | |
| Deposits | $3.10B | |
| Loans and leases | $2.72B | |
| Total equity | $365.2M | |
| Loans / deposits | 86.49% (p49 of band) | 87.10% |
| Liquid assets / assets | 19.16% (p42 of band) | |
| Uninsured deposits / deposits | 54.41% (p94 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.68% (p54 of band) | 10.50% |
| Unrealized securities loss / equity | -0.65% (p91 of band) | -7.75% |
| AOCI / equity | -0.12% (p64 of band) | |
| ROA (annualized) | 1.96% (p87 of band) | 1.26% |
| Net interest margin | 4.45% (p86 of band) | 3.70% |
| Efficiency ratio | 39.05% (p8 of band) | |
| Noncurrent loans | 0.29% (p32 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p69 of band) | |
| Reserve coverage of noncurrent | 442.22% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 127.16% (p95 of band) | |
| Auto loans | $4.1M (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 340 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 | reserve under noncurrent | construction >100% equity |
| 2012-03 | 3 | capital falling, construction >100% equity |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 | uninsured deposits leaving | capital falling |
| 2013-03 | 2 |  | uninsured deposits leaving |
| 2013-06 | 3 | deposits shrinking |  |
| 2013-09 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 3 | noncurrent p90 |  |
| 2018-03 | 4 | charge-offs p90 |  |
| 2018-06 | 2 |  | noncurrent p90, charge-offs p90 |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | reserve under noncurrent |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | construction >100% equity |
| 2019-09 | 2 | capital falling, charge-offs p90 |  |
| 2019-12 | 2 | construction >100% equity | charge-offs p90 |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 3 | uninsured deposits >50% | loans exceed deposits, capital falling |
| 2021-03 | 5 | loans exceed deposits, run vulnerability |  |
| 2021-06 | 3 |  | loans exceed deposits, run vulnerability |
| 2021-09 | 2 |  | wholesale funding >15% |
| 2021-12 | 3 | wholesale funding >15% |  |
| 2022-03 | 3 | capital falling | wholesale funding >15% |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | run vulnerability |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 1 |  | uninsured deposits >50%, run vulnerability |
| 2024-09 | 4 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2024-12 | 3 |  | run vulnerability |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 1 |  | construction >100% equity |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | capital falling, construction >100% equity |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 3 | run vulnerability |  |

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

- 2026-06-18 [Cache Valley Bank honors longtime loan officer, client advocate Shelly Harris with retirement open house - St. George News](https://news.google.com/rss/articles/CBMilgJBVV95cUxQWU96amNYdVNTSGxCNmFWMnRDRWd1ZEFWSzI2a1NyR25NaG1YY1k0bnA4dTZIcWpGajIwTlY5dmoyXzY1dVV4OHp0RTdpOGt2V21QLXdqdWxtbDFqU0VCNkE1bjFxNTYxYkFVSlozb2dsWl9EcUQ3MmdWdUFnMXVLMFBqUjV2cEVBOXR2Mm5VVTNoU0x4Y3dpaklhNXEtTWlwdHlMSWkyblkzdkNvSXlRY2c0WGl5MUJ0SFhlcGw4YmdIN2RmSktSQmlrUUt3RTdvT0xxV3JDNjB6ek5GYVZtcnVFdlNfcDFzVDM2dWMxTHdZT0FJbGRtSXRzUTM2VUVzWF9sSGZLVWNERDFwWjhzeloxZEFhZw?oc=5) · St. George News
- 2026-05-19 [Cache Valley attorneys honored for 50 years of legal service in Utah - Cache Valley Daily](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNSWtqdmpCYlNya3Rsa0twT2pqRHY5X19CdE80WGI5enViako3MjFNN09VQzZwS1FNRWVQRDdqcXdsd1hLUnZyMXh5U0hOeHlmV0xuUFpCUXd2akZ5REszSFJYdnJMOXpRaXk1M3p2aUVtYUQ5LTNtZXdkTUw0NU5rNGJ4eURaeHJKajVzYWljWVpMR1Fxb2o0Wnp4WGlXb09ZN0phU0JUTHEyNVl1U0N1Q2QxZUE1VFMzVGlfWU5qbjZmSWQtVll6dG0tWXVadWhkeXU3SldDNnpwVHF5RlVzTURWOFdaTTJvRklzVQ?oc=5) · Cache Valley Daily
- 2026-05-20 [Cache Valley Bank invites the community to celebrate America, make local connections this summer - St. George News](https://news.google.com/rss/articles/CBMiiwJBVV95cUxPSFh0U2ZGaFZPNXZGY0VSb3FmZGpjQlNjLUhseVo3QVNsYzVqMkRLRGExVzhrZ3lsN1N5V0x3Qi01clR1NWd3ZlU3QXhBQ21mV3F3bGZQclFqZzFENTJpd0V3bnFZWGJaa21rdkVtQzZYWEtJRi0zenljWG9SbVgyRHlvdGE5YXJjMUJHS21TSERfbl9yMG5TNll0SDBIWUlPdC13TUVHbTFLSldnS1dvQUNuRHg3d1lnLVNhdnBSUXhoQXJHTVVaSzBIbmxKclNEUjRrY1Q5T20zQ3FKaWdfS1JLOUpyZjZfdjFnMFoyUmo5NWFjcXRrRS1NSHZod1hVSnNld2t6S08xejA?oc=5) · St. George News
- 2024-10-11 [CACHE VALLEY BANK COMES TO CEDAR CITY, UTAH - Iron County Today](https://news.google.com/rss/articles/CBMiigFBVV95cUxNS0UzU3h1SU1WQ2xLbGt1THdJdUtTdDlnZ3c3SzVoMDFlVDNQRUwtOFpFcDhua0V3M1podUdFM3NZeGtSRFczX0VCcDlBeUZPYXl2cXpVa0l5UUFmNDNlaGZiVEhCT2JKeVVkOGFOZmtlMEU2cEZQMmhGQnk4NlZfaDhLWUlha0lKQ1E?oc=5) · Iron County Today
- 2026-02-22 [Regulators shut banks in Georgia, N.J., Utah; 32 bank failures in 2009 - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1zZFZIRjV5OWNjX0d4Y1lGanMxdGl3QVR6T1VnckxNWjI4YWxnbnRESGdWalV3Y0RMaE5yNkhqdjJFc1JyNm5idWdIRThCeUh4S05GeUcxbkhPLTB3MTRNLWp30gFnQVVfeXFMUHBWUWdrdGVkZ0NlYzVqMHU3YkVoZlZUWnZQVkhELW1RV2dEeDJPb2hLT2RvV2RqamtnYm4wTGJIOFN0SHhGcFpXUW9EQlZobkdNNWpkQ2dwVWRoRVFGY0ZsSFFfQ0xZOA?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2025-01-29 [Cache Valley Bank ribbon cutting - The Herald Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxOakhLRk5nQkx1OGZGS3dNTXJIOEFNNXVNbHRIaUVTUC11c1NGa3dUYmJDSngtLVJqTnMwOFZOME1CZ3JObVJkTGk3bDdBRGtyOVVKYXFoYkxJTVVCNTNrVG1DMFBYbUxGS0ZONGdWakNzNlpWLXpsZ1UyaldRUGdiVmdWcVNsOUxnVkhvRk93Q213MlBsa2VpcDl2WlZGekk1Y3MwWmJMRUhGMUFROXBnUXVGRQ?oc=5) · The Herald Journal
- 2020-07-21 [First Security Bank building, Ogden’s tallest structure, focus of planned overhaul - Standard-Examiner](https://news.google.com/rss/articles/CBMiywFBVV95cUxQRGlvUlJEVWIwUFhtTzRrTTdNU2FXT0lHM0cwbEJKUFltOGlCQmprdVRNMnRvNjNqS0tPbDlYRWVmQTdVelNZVW92ZEJJc185ekthNldTM2l6WFFrNFZ5VS1PblI4WFFteUxNVnhHMDRVRU4yWnlkT1dxemZMZC1Ga1p3MFkybVN2UUtPeEg2OFlvbUJRY1JUbl9vNXQ2eko0TUJ4eWlPRi1PN3BJT2lCSnFITjhVR3FIYkFMTnh3bkZPWFY0RDlVVjJSTQ?oc=5) · Standard-Examiner
- 2020-04-10 [Utah’s small businesses see the good, the bad and the ugly of coronavirus relief - The Salt Lake Tribune](https://news.google.com/rss/articles/CBMif0FVX3lxTE1lSnEzNVNQSHhUYzJyRHBMOEZKZ3U0YWpOWldEXzdZbDNBTjhMU2gtaldSTWtUdmdZRUpsU0xkMHEzbWs2SG5uVGJOV0dQZFJKbXpDMGgyZHV0dzV2X3BGRlpHb1lIc19Qc1I5MlVHQjJTVlRlZXR4VExaTG1ZMmc?oc=5) · The Salt Lake Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22134 (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/54.json (key "22134", 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