Cache Valley Bank Mortgage Rates, Fees & Info
Logan, UT
LEI: 549300CM7HYHZ1MEJ624
Tax ID: 87-0310100
5 stars
-
out of 5 stars, based on 33 reviews
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Mortgage Data
Bank Data
Overview
Cache Valley Bank is a
smaller
bank
specializing in
Home Purchase, Refi, and Cash Out Refi loans.
Cache Valley Bank has a high proportion of conventional loans.
They have a low ratio of USDA loans.
They have a a low proportion of FHA loans. (This may mean they shy away from
first time homebuyers.)
Their top markets include Logan, Ogden, St. George, Salt Lake City, and Provo among others. Cache Valley Bank has
an above average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
Cache Valley Bank is typically
an average fee
lendor.
Originations
1,091
Origination Dollar Volume (All Markets)
$374,695,000
Employee count
293
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Cache Valley Bank - 2021
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Relative Rate
Cache Valley Bank's average 30 year fixed rate mortgage of loans were
2.93%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.22%.
Relative Fees
Cache Valley Bank's average total fees for a 30 year fixed rate
mortgage are $3,388.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
LOGAN, UT-ID (FHA|USDA|VA)
|
463
|
$141,015,000 |
$304,568 |
$3,046 |
2.95% |
OGDEN-CLEARFIELD, UT (FHA|USDA|VA)
|
189
|
$76,145,000 |
$402,884 |
$3,949 |
2.93% |
ST. GEORGE, UT (FHA|USDA|VA)
|
200
|
$71,020,000 |
$355,100 |
$2,963 |
3.04% |
Outside of Metro Areas
|
91 |
$25,335,000 |
$278,407 |
$3,188 |
3.04% |
SALT LAKE CITY, UT (FHA|USDA|VA)
|
28
|
$19,480,000 |
$695,714 |
$3,350 |
3.29% |
PROVO-OREM, UT (FHA|USDA|VA)
|
43
|
$13,565,000 |
$315,465 |
$3,115 |
2.98% |
Cedar City, UT (FHA|USDA|VA)
|
8
|
$3,420,000 |
$427,500 |
$2,809 |
3.33% |
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA)
|
6
|
$3,380,000 |
$563,333 |
$3,260 |
3.25% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)
|
3
|
$1,685,000 |
$561,667 |
$4,372 |
3.54% |
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA)
|
1
|
$1,485,000 |
$1,485,000 |
$11,578 |
2.88% |
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA)
|
4
|
$1,180,000 |
$295,000 |
$3,190 |
2.90% |
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA)
|
2
|
$1,150,000 |
$575,000 |
$0 |
3.38% |
Heber, UT (FHA|USDA|VA)
|
2
|
$1,110,000 |
$555,000 |
$5,142 |
2.75% |
Price, UT (FHA|USDA|VA)
|
5
|
$1,015,000 |
$203,000 |
$2,981 |
2.75% |
KANSAS CITY, MO-KS (FHA|USDA|VA)
|
1
|
$905,000 |
$905,000 |
$500 |
4.15% |
Rock Springs, WY (FHA|USDA|VA)
|
3
|
$895,000 |
$298,333 |
$3,842 |
2.58% |
POCATELLO, ID (FHA|USDA|VA)
|
3
|
$735,000 |
$245,000 |
$4,941 |
3.83% |
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA)
|
1
|
$735,000 |
$735,000 |
$10,893 |
2.75% |
IDAHO FALLS, ID (FHA|USDA|VA)
|
2
|
$710,000 |
$355,000 |
$0 |
5.00% |
Evanston, WY (FHA|USDA|VA)
|
2
|
$680,000 |
$340,000 |
$984 |
2.75% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)
|
2
|
$650,000 |
$325,000 |
$2,517 |
2.69% |
Bozeman, MT (FHA|USDA|VA)
|
2
|
$640,000 |
$320,000 |
$6,510 |
2.88% |
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA)
|
1
|
$625,000 |
$625,000 |
$4,494 |
3.00% |
Burley, ID (FHA|USDA|VA)
|
1
|
$505,000 |
$505,000 |
$0 |
3.00% |
FLAGSTAFF, AZ (FHA|USDA|VA)
|
2
|
$500,000 |
$250,000 |
$3,605 |
2.50% |
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA)
|
1
|
$475,000 |
$475,000 |
$5,444 |
2.88% |
Elko, NV (FHA|USDA|VA)
|
2
|
$470,000 |
$235,000 |
$2,095 |
2.56% |
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA)
|
2
|
$400,000 |
$200,000 |
$735 |
2.56% |
COLUMBUS, OH (FHA|USDA|VA)
|
1
|
$385,000 |
$385,000 |
$5,035 |
2.75% |
OCALA, FL (FHA|USDA|VA)
|
2
|
$350,000 |
$175,000 |
$0 |
3.63% |
Vernal, UT (FHA|USDA|VA)
|
1
|
$345,000 |
$345,000 |
$4,821 |
3.25% |
Outside of Metro Areas
|
1 |
$345,000 |
$345,000 |
$4,870 |
2.50% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA)
|
1
|
$325,000 |
$325,000 |
$3,581 |
3.13% |
WENATCHEE, WA (FHA|USDA|VA)
|
1
|
$295,000 |
$295,000 |
$4,135 |
2.88% |
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA)
|
1
|
$275,000 |
$275,000 |
$3,239 |
3.25% |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA)
|
1
|
$255,000 |
$255,000 |
$5,524 |
3.13% |
Winnemucca, NV (FHA|USDA|VA)
|
1
|
$255,000 |
$255,000 |
$4,986 |
2.75% |
Hood River, OR (FHA|USDA|VA)
|
1
|
$215,000 |
$215,000 |
$0 |
2.75% |
RENO, NV (FHA|USDA|VA)
|
1
|
$205,000 |
$205,000 |
$2,696 |
2.38% |
Bemidji, MN (FHA|USDA|VA)
|
1
|
$195,000 |
$195,000 |
$1,940 |
2.88% |
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA)
|
1
|
$195,000 |
$195,000 |
$3,808 |
2.88% |
Fernley, NV (FHA|USDA|VA)
|
1
|
$195,000 |
$195,000 |
$5,224 |
2.99% |
AUBURN-OPELIKA, AL (FHA|USDA|VA)
|
1
|
$185,000 |
$185,000 |
$2,105 |
2.88% |
GRAND JUNCTION, CO (FHA|USDA|VA)
|
1
|
$185,000 |
$185,000 |
$0 |
3.63% |
MEMPHIS, TN-MS-AR (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$0 |
3.88% |
HUNTSVILLE, AL (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$1,964 |
2.63% |
ALBANY-LEBANON, OR (FHA|USDA|VA)
|
1
|
$145,000 |
$145,000 |
$2,594 |
4.75% |
LEWISTON, ID-WA (FHA|USDA|VA)
|
1
|
$125,000 |
$125,000 |
$0 |
3.63% |
Cache Valley Bank's top markets include Logan, Ogden, St. George, Salt Lake City, and Provo among others.
Product Mix
Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
Conventional |
1,050 |
$361,730,000 |
$344,505 |
$3,197 |
3.01% |
USDA |
20 |
$5,850,000 |
$292,500 |
$3,699 |
2.49% |
VA |
14 |
$5,160,000 |
$368,571 |
$4,875 |
2.46% |
FHA |
7 |
$1,955,000 |
$279,286 |
$6,370 |
2.63% |
For the 2021 period, Cache Valley Bank's most frequently
originated loan type
of loans were Conventional, with 1,050 originations.
Their 2nd most popular type is USDA,
with 20 originations.
Loan Reason
Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
Home Purchase |
459 |
$192,925,000 |
$420,316 |
$3,855 |
3.12% |
Refi |
333 |
$90,995,000 |
$273,258 |
$2,539 |
2.86% |
Cash Out Refi |
292 |
$89,980,000 |
$308,151 |
$3,158 |
2.91% |
Other |
5 |
$355,000 |
$71,000 |
$1,456 |
5.00% |
Home Improvement |
2 |
$440,000 |
$220,000 |
$6,193 |
3.88% |
For the 2021, Cache Valley Bank's most frequently cited loan
purpose
of loans were Home Purchase, with 459
originations.
The 2nd most popular reason of loans were Refi,
with 333 originations.
Loan Duration/Length
Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
30 Year |
861 |
$286,335,000 |
$332,561 |
$3,388 |
2.93% |
15 Year |
124 |
$29,760,000 |
$240,000 |
$2,686 |
2.58% |
Other |
42 |
$27,950,000 |
$665,476 |
$2,078 |
4.03% |
20 Year |
35 |
$11,245,000 |
$321,286 |
$3,132 |
3.66% |
1 Year |
18 |
$7,110,000 |
$395,000 |
$2,349 |
5.00% |
10 Year |
7 |
$1,835,000 |
$262,143 |
$2,376 |
3.09% |
5 Year |
4 |
$10,460,000 |
$2,615,000 |
$0 |
4.88% |
For the 2021, Cache Valley Bank's most frequently cited loan
length
of loans were 30 Year, with 861 originations.
The 2nd most popular length of loans were 15 Year,
with 124 originations.
Origination Fees
Origination Fee |
Originations |
Total Value |
Average Loan |
$<1k |
408 |
$126,030,000 |
$308,897 |
$1k-2k |
254 |
$72,020,000 |
$283,543 |
$2k-3k |
145 |
$46,785,000 |
$322,655 |
$3k-4k |
102 |
$45,560,000 |
$446,667 |
$5k+ |
18 |
$13,020,000 |
$723,333 |
$3,388 of loans were Cache Valley Bank's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 408 originations.
Interest Rates
Loan Rate |
Originations |
Total Value |
Average Loan |
2.5-3% |
553 |
$175,545,000 |
$317,441 |
3-4% |
257 |
$92,535,000 |
$360,058 |
<2.5% |
206 |
$58,000,000 |
$281,553 |
4-5% |
56 |
$40,490,000 |
$723,036 |
5-6% |
19 |
$8,125,000 |
$427,632 |
During 2021, Cache Valley Bank's average interest
rate of loans were 2.93%, while their
most frequently originated rate bucket of loans were 2.5-3%,
with 553 originations.
Loan Sizing
Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
$200k-400k |
561 |
$160,425,000 |
$285,963 |
$3,023 |
2.96% |
$400k-600k |
242 |
$116,830,000 |
$482,769 |
$4,324 |
2.94% |
$100k-200k |
210 |
$32,930,000 |
$156,810 |
$2,301 |
2.93% |
$600k-1MM |
38 |
$29,870,000 |
$786,053 |
$4,924 |
3.45% |
$100,000 or less |
28 |
$2,060,000 |
$73,571 |
$1,497 |
3.44% |
$1MM+ |
12 |
$32,580,000 |
$2,715,000 |
$11,906 |
4.41% |
2021 saw Cache Valley Bank place emphasis on
$200k-400k loans
with 561 originations, totaling
$160,425,000 in origination value.
Applicant Income
Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
$100k-150k |
227 |
$73,155,000 |
$322,269 |
$3,258 |
2.92% |
$50k-75k |
200 |
$49,420,000 |
$247,100 |
$2,897 |
2.87% |
$75k-100k |
198 |
$60,540,000 |
$305,758 |
$3,236 |
2.86% |
$150k-250k |
153 |
$61,255,000 |
$400,359 |
$4,188 |
3.04% |
$50k or less |
120 |
$23,290,000 |
$194,083 |
$2,634 |
2.94% |
$250k+ |
117 |
$56,625,000 |
$483,974 |
$3,954 |
3.01% |
Cache Valley Bank lent most frequently to those with incomes in the
$100k-150k range, with
227 originations.
The second most popular income band? $50k-75k,
with 200 originations.
Applicant Debt to Income Ratio
DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
20-30% |
305 |
$95,775,000 |
$314,016 |
$3,344 |
2.85% |
30-36% |
221 |
$73,385,000 |
$332,059 |
$3,196 |
2.88% |
<20% |
154 |
$48,240,000 |
$313,247 |
$2,961 |
2.86% |
37% |
51 |
$15,295,000 |
$299,902 |
$3,107 |
3.00% |
43% |
36 |
$11,030,000 |
$306,389 |
$3,512 |
2.88% |
42% |
33 |
$11,515,000 |
$348,939 |
$2,800 |
3.00% |
40% |
31 |
$9,375,000 |
$302,419 |
$3,101 |
3.00% |
39% |
30 |
$9,890,000 |
$329,667 |
$3,340 |
2.89% |
36% |
26 |
$10,430,000 |
$401,154 |
$4,696 |
2.95% |
41% |
25 |
$7,245,000 |
$289,800 |
$3,235 |
3.15% |
38% |
24 |
$8,090,000 |
$337,083 |
$3,700 |
2.91% |
44% |
24 |
$6,970,000 |
$290,417 |
$3,105 |
2.98% |
45% |
19 |
$5,945,000 |
$312,895 |
$2,918 |
2.95% |
47% |
19 |
$5,855,000 |
$308,158 |
$3,155 |
2.87% |
46% |
17 |
$4,915,000 |
$289,118 |
$3,851 |
3.07% |
48% |
9 |
$2,245,000 |
$249,444 |
$3,380 |
2.90% |
49% |
7 |
$2,375,000 |
$339,286 |
$4,333 |
2.70% |
50-60% |
5 |
$1,275,000 |
$255,000 |
$2,903 |
3.22% |
Cache Valley Bank lent most frequently to those with DTI ratios
of 20-30%, with
305 originations.
The next most common DTI ratio? 30-36%,
with 221 originations.
Ethnicity Mix
Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
White |
995 |
$317,655,000 |
$319,251 |
$3,244 |
2.92% |
Not applicable |
38 |
$38,650,000 |
$1,017,105 |
$0 |
4.83% |
Not provided |
42 |
$12,600,000 |
$300,000 |
$3,374 |
3.08% |
Asian |
6 |
$1,850,000 |
$308,333 |
$3,790 |
2.60% |
Native Hawaiian |
3 |
$1,325,000 |
$441,667 |
$2,686 |
3.42% |
American Indian |
4 |
$1,270,000 |
$317,500 |
$4,884 |
2.81% |
Black |
2 |
$800,000 |
$400,000 |
$2,946 |
2.94% |
Japanese |
1 |
$545,000 |
$545,000 |
$4,021 |
3.00% |
Approval Rates
Total approvals of all applications
98.55%
Cache Valley Bank has an exceptionally high approval rate. They
either target their audience
very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination
89.99%
Cache Valley Bank has an average pick rate.
Points and Fees
Points |
Originations |
Total Value |
Average Loan |
NA |
1,091 |
$374,695,000 |
$343,442 |
Occupancy Type Mix
Dwelling Type |
Originations |
Total Value |
Average Loan |
|
1,091 |
$374,695,000 |
$343,442 |
LTV Distribution
Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
20-40% |
126 |
$25,530,000 |
$202,619 |
$2,504 |
2.82% |
40-60% |
285 |
$81,905,000 |
$287,386 |
$2,959 |
2.90% |
60-80% |
465 |
$180,515,000 |
$388,204 |
$3,400 |
3.08% |
80-100% |
190 |
$72,440,000 |
$381,263 |
$3,895 |
2.95% |
Over 100% |
5 |
$11,165,000 |
$2,233,000 |
$10,276 |
3.88% |
Under 20% |
17 |
$1,985,000 |
$116,765 |
$1,666 |
3.60% |
Bank Details
Branches
Bank Name |
Branch |
Branch Type |
Deposits (000's) |
Cache Valley Bank |
10 North Main Smithfield, UT 84335 |
Full Service B&M
|
$13,182 |
Cache Valley Bank |
1224 S. River Road Saint George, UT 84790 |
Full Service B&M
|
$66,047 |
Cache Valley Bank |
1320 North Main Street Logan, UT 84341 |
Full Service B&M
|
$28,252 |
Cache Valley Bank |
1333 North Hillfield Road Layton, UT 84041 |
Full Service B&M
|
$112,930 |
Cache Valley Bank |
1710 N Main North Logan, UT 84341 |
Full Service B&M
|
$61,739 |
Cache Valley Bank |
185 North Main Street Nephi, UT 84648 |
Full Service B&M
|
$57,288 |
Cache Valley Bank |
2 North Main Street Ephraim, UT 84627 |
Full Service B&M
|
$55,111 |
Cache Valley Bank |
210 South State Street Mount Pleasant, UT 84647 |
Full Service B&M
|
$47,060 |
Cache Valley Bank |
2380 Washington Blvd, Suite 285 Ogden, UT 84401 |
Full Service B&M
|
$49,743 |
Cache Valley Bank |
27 East 100 North Logan, UT 84321 |
Full Service B&M
|
$13,829 |
Cache Valley Bank |
294 E. Tabernacle Street Saint George, UT 84770 |
Full Service B&M
|
$401,661 |
Cache Valley Bank |
30 E Main St Hyrum, UT 84319 |
Full Service B&M
|
$25,218 |
Cache Valley Bank |
300 North Milburn Road Fairview, UT 84629 |
Full Service B&M
|
$16,727 |
Cache Valley Bank |
5 South Main Logan, UT 84321 |
Full Service B&M
|
$92,993 |
Cache Valley Bank |
710 W. Telegraph Street Washington, UT 84780 |
Full Service B&M
|
$69,447 |
Cache Valley Bank |
82 West Main Street Price, UT 84501 |
Full Service B&M
|
$50,366 |
Cache Valley Bank |
101 North Main Street Logan, UT 84321 |
Full Service B&M
|
$744,886 |
Cache Valley Bank |
105 South 500 West Bountiful, UT 84010 |
Full Service B&M
|
$59,383 |
Cache Valley Bank |
105 South Main Street Loa, UT 84747 |
Full Service B&M
|
$59,035 |
Cache Valley Bank |
1091 N. Bluff Saint George, UT 84770 |
Full Service B&M
|
$97,662 |
For 2021, Cache Valley Bank had 20 branches.
Yearly Performance Overview
Bank Income
Cache Valley Bank's gross interest income from loans was $121,225,000.
Cache Valley Bank's net interest income from loans was $111,221,000.
Cache Valley Bank's fee based income from loans was $616,000.
Cache Valley Bank's net income from loans was $57,058,000.
Bank Expenses
Item |
Value (in 000's) |
Total interest expense |
$10,004 |
Provision for credit losses |
$2,700 |
Total noninterest expense |
$42,817 |
Salaries and employee benefits |
$27,135 |
Premises and equipment expense |
$4,559 |
Additional noninterest expense |
$11,123 |
Applicable income taxes |
$18,883 |
Net charge-offs |
$-832 |
Cash dividends |
$27,238 |
Cache Valley Bank's interest expense for loans was $10,004,000.
Cache Valley Bank's payroll and benefits expense were $27,135,000.
Cache Valley Bank's property, plant and equipment expenses $4,559,000.
Deposits
Type |
Value (in 000's) |
Total deposits |
$2,572,928 |
Deposits held in domestic offices |
$2,572,928 |
Deposits by Individuals, partnerships, and corporations |
$2,380,762 |
Deposits by U.S. Government |
$0 |
Deposits by States and political subdivisions in the U.S. |
$189,795 |
Deposits by Commercial banks and other depository institutions in U.S. |
$2,371 |
Deposits by Banks in foreign countries |
$0 |
Deposits by Foreign governments and official institutions |
$0 |
Transaction accounts |
$1,409,029 |
Demand deposits |
$1,409,029 |
Nontransaction accounts |
$1,163,899 |
Money market deposit accounts (MMDAs) |
$472,685 |
Other savings deposits (excluding MMDAs) |
$242,390 |
Total time deposits |
$448,823 |
Total time and savings deposits |
$1,163,899 |
Noninterest-bearing deposits |
$827,234 |
Interest-bearing deposits |
$1,745,693 |
Retail deposits |
$2,241,163 |
IRAs and Keogh plan accounts |
$30,465 |
Brokered deposits |
$197,077 |
Deposits held in foreign offices |
$0 |
Assets
Asset |
Value (in 000's) |
Total Assets |
$3,083,491 |
Cash & Balances due from depository institutions |
$1,227,126 |
Interest-bearing balances |
$1,213,160 |
Total securities |
$29,115 |
Federal funds sold & reverse repurchase |
$17,122 |
Net loans and leases |
$1,749,817 |
Loan and leases loss allowance |
$20,558 |
Trading account assets |
$0 |
Bank premises and fixed assets |
$39,629 |
Other real estate owned |
$0 |
Goodwill and other intangibles |
$184 |
All other assets |
$20,498 |
Liabilities
Liabilities |
Value (in 000's) |
Total liabilities and capital |
$3,083,491 |
Total Liabilities |
$2,854,958 |
Total deposits |
$2,572,928 |
Interest-bearing deposits |
$1,745,693 |
Deposits held in domestic offices |
$2,572,928 |
% insured (estimated) |
$41 |
Federal funds purchased and repurchase agreements |
$0 |
Trading liabilities |
$0 |
Other borrowed funds |
$271,892 |
Subordinated debt |
$0 |
All other liabilities |
$10,138 |
Issued Loan Types
Type |
Value (in 000's) |
Net loans and leases |
$1,749,817 |
Loan and leases loss allowance |
$20,558 |
Total loans and leases (domestic) |
$1,770,375 |
All real estate loans |
$1,258,044 |
Real estate loans in domestic offices |
$1,258,044 |
Construction and development loans |
$283,587 |
Residential 1-4 family construction |
$105,812 |
Other construction, all land development and other land |
$177,775 |
Loans secured by nonfarm nonresidential properties |
$691,946 |
Nonfarm nonresidential secured by owner-occupied properties |
$344,812 |
Commercial real estate & other non-farm, non-residential |
$347,134 |
Multifamily residential real estate |
$35,168 |
1-4 family residential loans |
$161,580 |
Farmland loans |
$85,763 |
Loans held in foreign offices |
$0 |
Farm loans |
$43,934 |
Commercial and industrial loans |
$475,775 |
To non-U.S. addressees |
$0 |
Loans to individuals |
$10,192 |
Credit card loans |
$876 |
Related Plans |
$298 |
Consumer Auto Loans |
$2,904 |
Other loans to individuals |
$6,114 |
All other loans & leases |
$1,688 |
Loans to foreign governments and official institutions |
$0 |
Other loans |
$123 |
Loans to depository institutions and acceptances of other banks |
$0 |
Loans not secured by real estate |
$4,291 |
Loans secured by real estate to non-U.S. addressees |
$0 |
Restructured Loans & leases |
$3,672 |
Non 1-4 family restructured loans & leases |
$3,333 |
Total loans and leases (foreign) |
$0 |
Cache Valley Bank had $1,749,817,000 of loans outstanding in 2021. $1,258,044,000 of loans were in real estate loans.
$283,587,000 of loans were in development loans. $35,168,000 of loans were in multifamily mortgage loans.
$161,580,000 of loans were in 1-4 family mortgage loans. $43,934,000 of loans were in farm loans. $876,000
of loans were in credit card loans. $2,904,000 of loans were in the auto loan category.
Small Business Loans
Categorization |
# of Loans in Category |
$ amount of loans (in 000's) |
Average $/loan |
Nonfarm, nonresidential loans - <$1MM |
544 |
$159,077 |
$292,421 |
Nonfarm, nonresidential loans - <$100k |
60 |
$2,810 |
$46,833 |
Nonfarm, nonresidential loans - $100-250k |
147 |
$19,825 |
$134,864 |
Nonfarm, nonresidential loans - $250k-1MM |
337 |
$136,442 |
$404,872 |
Commercial & Industrial, US addressed loans - <$1MM |
4,746 |
$331,315 |
$69,809 |
Commercial & Industrial, US addressed loans - <$100k |
3,708 |
$90,878 |
$24,509 |
Commercial & Industrial, US addressed loans - $100-250k |
611 |
$82,921 |
$135,714 |
Commercial & Industrial, US addressed loans - $250k-1MM |
427 |
$157,516 |
$368,890 |
Farmland loans - <$1MM |
226 |
$31,537 |
$139,544 |
Farmland loans - <$100k |
75 |
$3,435 |
$45,800 |
Farmland loans - $100-250k |
91 |
$12,218 |
$134,264 |
Farmland loans - $250k-1MM |
60 |
$15,884 |
$264,733 |
Agriculture operations loans - <$1MM |
307 |
$22,698 |
$73,935 |
Agriculture operations loans - <$100k |
211 |
$6,271 |
$29,720 |
Agriculture operations loans - $100-250k |
65 |
$6,636 |
$102,092 |
Agriculture operations loans - $250k-1MM |
31 |
$9,791 |
$315,839 |