Cache Valley Bank

101 North Main Street
Logan, UT 84321

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22134
Date Established 1975
Assets $1.04 billion
Loans $0.81 billion
Deposits $0.92 billion
Capital $0.11 billion

Cache Valley Bank is an FDIC insured institution located in Logan, UT. It was founded in 1975 and has approximately $1.04 billion in assets. Customers can open an account at one of its 15 branches.

For a more detailed analysis of Cache Valley Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Cache Valley Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Utah, Cache Valley Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.84
Multifamily
Mortgages
1.05
Credit Card Loans 0.16
Consumer Auto Loans 0.34
Small Business Loans 10.75
Construction and Development Loans 16.38
Commercial Real Estate 43.34
Commercial and Industrial Loans 16.39
Farm Loans 4.08

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.30% $10,000 $99,999 Learn MoreShow Less
3 Mo CD 10K
0.20% $10,000 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.40% $100,000 - Learn MoreShow Less
3 Mo CD 100K
0.25% $100,000 - Learn MoreShow Less
6 Mo CD 10K
0.25% $10,000 $99,999 Learn MoreShow Less
6 Mo CD 10K
0.50% $10,000 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.60% $100,000 - Learn MoreShow Less
6 Mo CD 100K
0.30% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.30% $1,000 $19,999 Learn MoreShow Less
Savings 2.5K
0.17% $1,000 $19,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.25% $1 $9,999 Learn MoreShow Less
Fixed IRA 0K
0.50% $1 $9,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.30% $1,000 $19,999 Learn MoreShow Less
MM 10K
0.18% $1,000 $19,999 Learn MoreShow Less
MM 25K
0.21% $20,000 $49,999 Learn MoreShow Less
MM 25K
0.35% $20,000 $49,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 25K
0.45% $20,000 $49,999 Learn MoreShow Less
Premium MM 25K
0.27% $20,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $1 $999 Learn MoreShow Less
Int Ckg 0K
0.06% $1 $999 Learn MoreShow Less
Int Ckg 2.5K
0.20% $1,000 $19,999 Learn MoreShow Less
Int Ckg 2.5K
0.09% $1,000 $19,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Cache Valley Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Cache Valley Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Cache Valley Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Cache Valley Bank Locations

Financial Details

Cache Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cache Valley Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Cache Valley Bank U.S. Bank Average
6.71% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Cache Valley Bank had $7,439,000 in non-current loans and $1,047,000 in owned real estate. To cover these potential losses it had $113,248,000 in equity and $13,135,000 in loans loss reserves. That gives it a Texas Ratio of 6.71%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Cache Valley Bank U.S. Bank Average
22.84% 8.58

Cache Valley Bank has a Return on Equity of 22.84% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Cache Valley Bank U.S. Bank Average
10.85% 12.11

Cache Valley Bank has a Capitalization of 10.85% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Cache Valley Bank Balance Sheet Analysis

As of June 30, 2017, Cache Valley Bank had assets of $1,044,058,000, loans of $814,365,000, and deposits of $920,706,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Cache Valley Bank

Branches and Savings

Is Cache Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #22134.

Why does Cache Valley Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cache Valley Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cache Valley Bank a commercial bank?

Yes

Where are Cache Valley Bank locations?

See branch locations nearby.

Is Cache Valley Bank open on Saturdays?

Is Cache Valley Bank open on Sundays?

What time does Cache Valley Bank open?

What time does Cache Valley Bank close?

Are Cache Valley Bank ATMs Open 24/7?

Do Cache Valley Bank ATMs accept cash deposits?

Can Cache Valley Bank customers use other ATMs?

Do Cache Valley Bank branches have notaries?

Will Cache Valley Bank notarize my document?

What address for Cache Valley Bank should I put for incoming ACH transfers?

Will the Cache Valley Bank branch print checks?

Do Cache Valley Bank checks expire?

Does Cache Valley Bank require US citizenship to open account?

Can Cache Valley Bank close my account?

Does Cache Valley Bank Report to credit bureaus?

Does Cache Valley Bank Use Equifax?

What is Cache Valley Bank's ACH Routing Number?

What is Cache Valley Bank's SWIFT code?

Products

Does Cache Valley Bank offer mortgages?

Compare mortgage rates here.

Does Cache Valley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cache Valley Bank offer personal loans?

Compare personal loan rates here.

Does Cache Valley Bank offer student loans?

Will Cache Valley Bank cash a check?

Will Cache Valley Bank redeem a savings bond?

Does Cache Valley Bank cash savings bonds?

Will Cache Valley Bank cash money orders?

Can Cache Valley Bank issue a money order?

Does Cache Valley Bank do currency exchange?

Background on The Bank

Who owns Cache Valley Bank?

How long has Cache Valley Bank been around?

Can Cache Valley Bank transfer to other banks?

Does Cache Valley Bank have quick pay?

Does Cache Valley Bank accept rolled coins?

Will Cache Valley Bank accept loose change?

Where is Cache Valley Bank headquarters?

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