CASHMERE VALLEY BANK

CASHMERE, WA · Supervised by FDIC

Est. 1932FDIC #1,265RSSD: FDIC-1265

Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.01%

Is this bank safe?

CASHMERE VALLEY BANK holds a Satisfactory CRA rating (2024), is financially strong (ROA +1.01%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Website

www.cashmerevalleybank.com

Address

117 Aplets Way, CASHMERE, WA

County

Chelan County

Established

September 24, 1932

Total Assets

$2.3B(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

May 1, 2024

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.3B

Total Deposits

$1.9B

Net Loans

$961M

Net Income

$6M

ROA

1.01%

Above avg for Community banks. Peer avg: 0.90%

ROE

8.76%

Risk-Based Capital

0.00%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.01%Peer avg: 0.90%▲ Above avg

Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate9.66%Peer avg: 10.20%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.8B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	145	68.97%	9.66%
2023	133	63.16%	12.03%
2022	265	76.98%	7.55%
2021	612	79.08%	8.99%
2020	998	72.95%	7.31%
2019	541	75.42%	9.61%
2018	434	76.5%	7.60%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2024	Satisfactory	Large Bank
Apr 2021	Satisfactory	Large Bank
Jan 2018	Satisfactory	Large Bank

10 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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