Cache Valley Bank
Cache Valley Bank is a privately-held, FDIC-insured community bank founded in 1975, operating 23-24 branches across Utah and southeast Idaho and serving consumers, small businesses, and agricultural borrowers with personal banking, lending, treasury management, and merchant services under a locally-decided, community-led banking model.
- Company typePrivate
- Founded1975
- HeadquartersLogan, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Cache Valley Bank does
Cache Valley Bank is a privately-held community bank founded in 1975 in Logan, Utah, operating under FDIC insurance as an Equal Housing Lender. The bank serves consumers, small businesses, and commercial and agricultural borrowers across Utah and southeast Idaho through 23-24 physical branches supplemented by online, mobile, and phone banking channels. Its product set spans personal banking (checking, savings, money market, CDs, IRAs, HSAs, Visa credit cards, mortgages, HELOCs, consumer loans), business banking (checking, treasury management, merchant services accepting Apple Pay/Google Pay/Samsung Pay, business and corporate credit and fleet cards), and commercial and agricultural lending (SBA 7(a)/Express/504, commercial real estate, equipment finance, lines of credit). Treasury management services include ACH origination, wire transfers, Remote Deposit Capture, Positive Pay fraud prevention, and Insured Cash Sweep, with publicly disclosed tiered pricing from $20 to $500 per month and custom Concierge packages for multi-entity API/SFTP integrations.
The bank's revenue model is a mix of net interest income from its loan portfolio and non-interest income from subscription-style treasury management fees, merchant processing fees, deposit account fees, and credit card interchange/revolve income. Pricing is disclosed transparently for treasury management tiers, with business checking and personal account rates set by contact. Distribution is community-led: loan decisions are made locally by bankers based in the same markets as customers, supported by community sponsorships, referrals, and word-of-mouth marketing. Core technology is conventional community-bank infrastructure — online and mobile banking with ACH processing, remote deposit capture, Positive Pay, and treasury management integrated through a business online banking platform — with no disclosed proprietary AI or differentiated technology stack.
Cache Valley Bank firmographics
Firmographics- Name
- Cache Valley Bank
- Legal name
- Cache Valley Bank
- Website
- https://cachevalleybank.com
- Company type
- Private
- Founded year
- 1975
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Cache Valley Bank is a privately-held, FDIC-insured community bank founded in 1975, operating 23-24 branches across Utah and southeast Idaho and serving consumers, small businesses, and agricultural borrowers with personal banking, lending, treasury management, and merchant services under a locally-decided, community-led banking model.
- Ownership category
- akta.pro rank
Cache Valley Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where Cache Valley Bank is headquartered
LocationHeadquarters
- HQ city
- Logan
- HQ country
- United States
- HQ region
- North America
Offices8 records
Markets served
Cache Valley Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Infrastructure, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Primary revenue from interest earned on loan portfolio including commercial real estate loans, SBA loans, agricultural loans, consumer mortgages, and personal/commercial credit facilities.
- Treasury Management Fees: Monthly service fees from tiered treasury management packages ranging from $20/month for single service to $500/month for complex setups, plus ancillary fees for services like Positive Pay and Insured Cash Sweep.
- Merchant Services: Transaction processing fees from payment acceptance solutions including credit/debit card processing, ACH, and mobile payments with competitive rates and no long-term contracts.
- Deposit Account Fees: Fees from deposit accounts including checking, savings, money market accounts, and CDs. Includes overdraft protection fees, with youth and senior accounts offered at no minimum balance or monthly fees.
- Credit Card Fees: Income from Visa credit cards including Classic and Gold tiers, generating fees on transactions and revolving credit balances.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Journey - One service tier at $20/month |
| Subscription | Monthly | Navigate - Two services or ACH plus remote deposit bundle at $50/month |
| Subscription | Monthly | Mountains Await - Three or more services or any advanced service at $100/month |
| Subscription | Monthly | Peak Performance - Specialized business types and Same Day ACH at $250/month |
| Subscription | Monthly | Your Financial Outfitter - Complex setups with high daily and monthly volumes at $500/month |
| Other | Multi-year contract | Concierge Business Services - Multi-entity companies, API and SFTP integrations |
| Subscription | Monthly | Silver Checking - Open with $2,000, earns interest above $2,000 |
| Subscription | Monthly | Gold Checking - Open with $20,000, earns interest above $20,000 |
| Subscription | Monthly | Platinum Checking - Open with $50,000, earns interest above $50,000 |
| Subscription | Monthly | Savings - Open with $25 minimum (Silver tier) |
| Other | Pay-as-you-go | CDs & IRAs - Minimum $1,000 to open |
| Other | Pay-as-you-go | Visa Classic - Credit limit up to $4,999 |
| Other | Pay-as-you-go | Visa Gold - Credit limit $5,000 and above |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels4 records
Cache Valley Bank product offering
Product offeringCore offering
Cache Valley Bank is a community bank operating 23-24 branches across Utah and southeast Idaho, providing deposit accounts, consumer and commercial loans, treasury management, merchant card processing, mortgage lending, and credit cards to individuals, families, small businesses, and agricultural operations. Loan decisions and account servicing are handled locally by bankers based in the communities they serve, supported by online and mobile banking channels.
Product overview
Cache Valley Bank operates as a community bank offering a unified platform of financial products and services across Utah and Idaho. The core banking platform encompasses personal banking (checking, savings, credit cards, mortgages) and business banking (checking, loans, merchant services, treasury management). Treasury Management Solutions serves as a key module featuring ACH services, wire transfers, Remote Deposit Capture, Positive Pay fraud prevention, and Insured Cash Sweep accounts, all with published tiered pricing. Business credit cards (Corporate Purchasing Cards, Corporate Fleet Cards, Business Credit Cards) extend the spend management offering. Consumer and commercial lending products include SBA loans, commercial real estate, agricultural lending, equipment finance, and mortgage products. All services are accessible through online and mobile banking channels with local decision-making at 23-24 branch locations.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Checking
Quantifiable outcome
- 23-24 branch locations serving customers from Preston, ID to St. George, UT
- +2 more outcomes
Companies that use Cache Valley Bank
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Cache Valley Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
Cache Valley Bank partnerships and signals
Strategic signalScale indicators5 records
Recent moves9 records
Expansion highlights5 records
Cache Valley Bank competitors and assessment
Company assessmentEmerging players
- Ally Bank: Digital-first bank with no physical branches, offering competitive deposit rates and consumer lending nationwide. Represents the structural neobank threat to CVB's deposit funding model, especially for digitally-native SMB customers.
- Live Oak Bank: Digital-first community bank specializing in SBA lending and small business banking. Comparable in SMB lending focus and SBA franchise, with a tech-forward operating model that contrasts CVB's branch-based approach.
Broad incumbents
- KeyBank: Regional bank with significant Utah and Idaho branch presence offering consumer and commercial banking. A larger incumbent that competes for the same SMB and consumer deposit relationships across CVB's footprint.
- Wells Fargo: National bank with established Utah and Idaho branch network serving consumers, small businesses, and commercial borrowers. A broad incumbent overlapping with CVB across most product lines.
- Zions Bancorporation: Large regional bank holding company headquartered in Salt Lake City with full-service commercial, retail, and treasury management across Utah, Idaho, and the broader West. A scaled incumbent whose product breadth and pricing power overlap with CVB's offerings.
- JPMorgan Chase: National banking giant with growing Utah/Idaho retail branch presence and a top small business banking franchise. Competes for the same SMB deposits and treasury management wallet despite different operating model.
Direct peers
- America First Credit Union: Largest credit union in Utah and a direct competitor for consumer deposits, mortgages, and small business banking across Cache Valley and the Wasatch Front. Competes head-to-head on community brand and local presence.
- Goldenwest Credit Union: Utah-headquartered credit union serving consumers and small businesses across the Wasatch Front and southern Idaho. Directly comparable to CVB in member-owned community positioning and SMB banking focus.
- Bank of Utah: Ogden, Utah-headquartered community bank offering personal, business, and treasury management services across Utah. Highly comparable in geography, product mix, and community banking positioning to Cache Valley Bank.
- First Utah Bank: Utah community bank offering business banking, treasury management, and SBA lending to small businesses. Comparable scale and product mix to Cache Valley Bank, with similar SBA and commercial real estate lending emphasis.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Cache Valley Bank compliance and trust
Trust signalCompliance2 records
Cache Valley Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cache Valley Bank leadership team
Management profileNumber of profiles
Profiles3 records
Cache Valley Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cache Valley Bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cache Valley Bank
What does Cache Valley Bank do?
Cache Valley Bank is a community bank operating 23-24 branches across Utah and southeast Idaho, providing deposit accounts, consumer and commercial loans, treasury management, merchant card processing, mortgage lending, and credit cards to individuals, families, small businesses, and agricultural operations. Loan decisions and account servicing are handled locally by bankers based in the communities they serve, supported by online and mobile banking channels.
Is Cache Valley Bank a public or private company?
Cache Valley Bank is a private company. It is classified as unknown and is currently operating.
When was Cache Valley Bank founded?
Cache Valley Bank was founded in 1975. It employs 101 to 250 people.
Where is Cache Valley Bank based?
Cache Valley Bank is headquartered in Logan, United States, in the North America region.
How does Cache Valley Bank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are treasury Management Fees, merchant Services, deposit Account Fees and credit Card Fees.
Who are Cache Valley Bank's main competitors?
Emerging players on record are Ally Bank and Live Oak Bank. Broad incumbents are KeyBank, Wells Fargo, Zions Bancorporation and JPMorgan Chase. Direct peers are America First Credit Union, Goldenwest Credit Union, Bank of Utah and First Utah Bank.
Does Cache Valley Bank have an API?
No public API is recorded for Cache Valley Bank.
What industry is Cache Valley Bank in?
Cache Valley Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.