🏦Bank Scorer

CACHE VALLEY BANK

LOGAN, UT · Supervised by FDIC

Est. 1975FDIC #22,134RSSD: FDIC-22134
Part ofCACHE VALLEY BANKING CO→ View all charters
Satisfactory Same

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.84%

Institution Profile

FDIC BankFind

Address

101 N Main St, LOGAN, UT

County

Cache County

Established

October 2, 1975

Total Assets

$3.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.5B

Total Deposits

$3.1B

Net Loans

$2.6B

Net Income

$16M

ROA

1.84%

ROE

18.59%

Risk-Based Capital

13.09%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate1.68%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

23

Branch Deposits

$2.9B

1-Year Change

+1

5-year net change: +6 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202429888.26%1.68%
202345188.91%1.11%
202273883.6%2.44%
20211,29684.18%1.77%
20201,53688.93%1.24%
201977796.4%0.64%
201873093.29%2.19%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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