Cache Valley Bank


101 North Main Street
Logan, UT 84321
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 0.85% →
1-Year CD 0.65% 0.75% →
2-Year CD 0.85% 0.80% →
5-Year CD 1.21% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Cache Valley Bank is an FDIC insured institution located in Logan, UT. It was founded in 1975 and has approximately $2.95 billion in assets. Customers can open an account at one of its 15 branches.

FDIC Insured Yes
FDIC Certificate # 22134
Date Established 1975
Assets $ 2.95 billion
Loans $ 1,904.99 million
Deposits $ 2.12 billion
Capital $ 209.24 million

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.

Deposit Rates - October 20, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.02% $2,500 $4,999 Learn More
Money Market
0.02% $2,500 $2,999 Learn More
Money Market
0.02% $10,000 $14,999 Learn More
Money Market
0.03% $25,000 $29,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.65% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.95% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.11% $100,000 $199,999 Learn More
60 Mo CD
1.11% $10,000 $14,999 Learn More
60 Mo CD
1.21% $100,000 $199,999 Learn More

Fixed IRA
0.45% $1 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 20, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.765% 2.690%
1.00 points
$2,452 fees
$1,013 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Cache Valley Bank
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Climate Initiatives

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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 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
3.55% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Cache Valley Bank had $3,837,000 in non-current loans and $4,251,000 in owned real estate. To cover these potential losses it had $209,244,000 in equity and $18,839,000 in loans loss reserves. That gives it a Texas Ratio of 3.55%.

Return on Equity
Cache Valley Bank U.S. Bank Average
28.23% 11.29%

Cache Valley Bank has a Return on Equity of 28.23% versus the BestCashCow average of 11.29%. 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.

Cache Valley Bank U.S. Bank Average
7.1% 11.72%

Cache Valley Bank has a Capitalization of 7.1% versus the BestCashCow average of 11.72. 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, 2021, Cache Valley Bank had assets of $2,947,152,000, loans of $1,904,987,000, and deposits of $2,122,559,000. 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.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 939.48 million
Interest-bearing balances $ 911.86 million
Total securities $ 20.33 million
Federal funds sold and reverse repurchase $ 16.20 million
Net loans and leases $ 1,904.99 million
Loan loss allowance $ 18.84 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.25 million
Goodwill and other intangibles $ 0.16 million
All other assets $ 22.68 million
     Total Assets $ 2.74 billion
Total deposits $ 2.12 billion
      Interest-bearing deposits $ 1,333.78 million
      Deposits held in domestic offices $ 2.12 billion
      % insured (estimated) 47.67%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 608.53 million
Subordinated debt N.A.
All other liabilities $ 6.82 million
      Total Liabilities $ 2.74 billion
      Shareholders’ Equity $ 209.24 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 59.30 million
Total Interest Expense $ 4.79 million
Net interest income $ 54.51 million
Provision for loan and lease losses $ 1.35 million
Total non interest income $ 5.32 million
Total non interest expense $ 21.23 million
Pre-tax Net Operating Income $ 37.25 million

Bank Loan Profile?

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

Compared to other banks in Utah, Cache Valley Bank has a significantly higher percent of Farm Loans 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.39
Credit Card Loans 0.04
Consumer Auto Loans 0.15
Small Business Loans 7.86
Construction and Development Loans 13.45
Commercial Real Estate 33.63
Commercial and Industrial Loans 40.13
Farm Loans 2.63

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?


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?


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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