TellerScore

Cashmere Valley Bank is a state-chartered bank headquartered in Cashmere, Washington, in business for about 94 years. At the end of Q2 2026 it reported $2.3B in total assets and $2.0B in deposits, with 12 offices.

Based on its Q2 2026 filing, Cashmere Valley Bank scores 79/100, which we describe as strong. That is higher than 88% of 897 banks with $1 billion – $10 billion. Among 29 banks headquartered in Washington, it ranks 4th. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is earnings (64/100; 1.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Tier 1 leverage ratio: 12.50%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.35%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 52.1% · 32.9% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.37%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (83 → 79), mostly because the earnings component weakened by 10 points.

TellerScore
788183Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202483
Q4 202483
Q1 202582
Q2 202583
Q3 202581
Q4 202582
Q1 202678
Q2 202679
Tier 1 leverage ratio
5.00%9.13%13.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.71%
Q3 202412.72%
Q4 202412.93%
Q1 202513.02%
Q2 202513.26%
Q3 202512.99%
Q4 202513.17%
Q1 202612.63%
Q2 202612.50%
Noncurrent loans
0.23%0.37%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.29%
Q4 20240.36%
Q1 20250.36%
Q2 20250.43%
Q3 20250.51%
Q4 20250.47%
Q1 20260.43%
Q2 20260.35%
Return on assets
1.01%1.19%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.36%
Q3 20241.36%
Q4 20241.35%
Q1 20251.21%
Q2 20251.34%
Q3 20251.36%
Q4 20251.33%
Q1 20261.01%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$2.3B12.50%0.35%1.10%52.1%
Q1 202678$2.3B12.63%0.43%1.01%49.4%
Q4 202582$2.3B13.17%0.47%1.33%49.5%
Q3 202581$2.3B12.99%0.51%1.36%50.2%
Q2 202583$2.2B13.26%0.43%1.34%52.2%
Q1 202582$2.1B13.02%0.36%1.21%52.2%
Q4 202483$2.1B12.93%0.36%1.35%51.7%
Q3 202483$2.1B12.72%0.29%1.36%54.0%
Q2 202483$2.1B12.71%0.23%1.36%56.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.50%
81st
Total risk-based capital0.00%
13th
Problem loans0.35%
64th
Net charge-offs0.40%
10th
Return on assets1.10%
38th
Net interest margin3.17%
21st
Efficiency ratio60.5%
45th
Loans to deposits52.1%
95th
Uninsured deposits32.9%
44th
Loan-loss reserves1.12%
45th
Texas ratio1.4%
78th

Similar-size banks in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples BankBank Bellingham, WA78 out of 100, Strong$2.4B13.3%0.11%vs
First Fed BankBank Port Angeles, WA49 out of 100, Below average$2.1B9.6%1.28%vs
Timberland BankBank Hoquiam, WA78 out of 100, Strong$2.1B12.9%0.56%vs
Yakima Federal Savings and Loan AssociationBank Yakima, WA86 out of 100, Very strong$2.0B28.1%0.28%vs
Riverview BankBank Vancouver, WA54 out of 100, Below average$1.5B11.0%0.80%vs
1st Security Bank of WashingtonBank Mountlake Terrace, WA67 out of 100, Moderate$3.2B11.4%0.58%vs

Deposit insurance

Is my money safe at Cashmere Valley Bank?

Yes. Cashmere Valley Bank is an FDIC-insured institution (FDIC certificate #1265). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.9% of deposits ($646.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Cashmere Valley Bank lists 12 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cashmere Valley Bank reported 193 home-loan applications under HMDA (LEI 549300DU4JZVSGF3G964): 142 originated ($55,820,000 total), 15 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cashmere Valley Bank
Type
State-chartered bank
FDIC certificate #
1265
RSSD ID
574976
Primary regulator
FDIC
Established
September 24, 1932
Headquarters
117 Aplets Way, Cashmere, WA 98815
Employees
310

Quick answers

Cashmere Valley Bank: common questions

Is Cashmere Valley Bank FDIC insured?

Yes. Cashmere Valley Bank is an FDIC-insured institution (FDIC certificate #1265). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cashmere Valley Bank's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Cashmere Valley Bank ever failed?

There is no failure record for FDIC certificate #1265 in the FDIC failed bank list.

How many branches does Cashmere Valley Bank have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cashmere

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples BankBank Bellingham, WA78 out of 100, Strong$2.4B13.3%0.11%vs
Numerica Credit UnionCredit union Spokane Valley, WA74 out of 100, Strong$4.3B12.0%0.35%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
KeyBank National AssociationBank Cleveland, OH63 out of 100, Moderate$188.6B9.9%0.86%vs
Potlatch No. 1 Financial Credit UnionCredit union Lewiston, ID62 out of 100, Moderate$2.2B8.9%0.40%vs