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Overview / Commentary
970-351-8600
4601 West 20th Street
Greeley, CO 80634

Cache Bank and Trust is headquartered in Greeley and is the 51st largest bank in the state of Colorado. It is also the 3,567th largest bank in the nation. It was established in 1996 and as of March of 2014, it had grown to 39 employees at 3 locations. Cache Bank and Trust has a C health rating.

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Health

Data for Q1 2014

Institution Health

C

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Cache Bank and Trust had $2.97 million in non-current loans and owned real-estate with $13.2 million in equity and loan loss allowances on hand to cover it. This gives Cache Bank and Trust a Texas Ratio of 22.52% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Cache Bank and Trust increased slightly from 5.99% as of March 31, 2013 to 22.52% as of March 31, 2014, resulting in a negative change of 276.17%. This indicates that the balance sheet and financial strength for Cache Bank and Trust has declined slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Cache Bank and Trust has decreased its total deposits by -$9.39 million, resulting in -6.2% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cache Bank and Trust has shown is below average.

Capitalization

GRADE:
C

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cache Bank and Trust has $159.93 million in assets with $13.2 million in equity, resulting in a capitalization level of 8.26%, which is average.

Institution Statistics

Overall
FDIC Certificate #34328
Year Established1996
Employees39
Primary RegulatorFDIC
Assets and Liabilities
Assets$159.93 million
Loans$52.84 million
Deposits$142.11 million
Equity Capital$12.62 million
Loan Loss Allowance$579,000
Unbacked Noncurrent Loans$336,000
Real Estate Owned$2.64 million
Historic Data - March 2013
Assets$165.98 million
Equity Capital$14.05 million
Loan Loss Allowance$1.04 million
Real Estate Owned$903,000
Profit Margin - Quarterly
Net Interest Margin2.99%
Return on Assets-0.06%
Return on Equity-0.71%
Interest Income$1.23 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Cache Bank and Trust, we are a rate comparison website and can not provide official rates or promotions.

Cache Bank and Trust Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Cache Savings
0.10%--Cache Classic Savings
0.10%--Cache Junior Savings

Cache Bank and Trust Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$100k-Cache Treasury Indexed Money Market

Cache Bank and Trust Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Cache Checking NOW Account
0.10%--Cache Club 55 Senior Checking
0.10%--Cache Club Checking
0.10%$500-Cache Classic

Cache Bank and Trust CD Rates

DetailsAPYMINMAXPRODUCT
1.16%$1k-36 Month & Longer Cache CD
1.16%$100k-36 Month & Longer Jumbo Cache CD
1.06%$1k-24 Month Cache CD
1.06%$100k-24 Month Jumbo Cache CD
0.45%$1k-541 to 720 Day Cache CD
0.45%$100k-541 to 720 Day Jumbo Cache CD
0.25%$1k-366 to 540 Day Cache CD
0.25%$100k-366 to 540 Day Jumbo Cache CD
0.20%$1k-91 to 365 Day Cache CD
0.20%$100k-91 to 365 Day Jumbo Cache CD
0.05%$1k-30 to 90 Day Cache CD
0.05%$100k-30 to 90 Day Jumbo Cache CD

Cache Bank and Trust IRA Rates

DetailsAPYMINMAXPRODUCT
1.16%$1k-36 Month & Longer Cache IRA
1.16%$100k-36 Month & Longer Jumbo Cache IRA
1.06%$1k-24 Month Cache IRA
1.06%$100k-24 Month Jumbo Cache IRA
0.45%$1k-541 to 720 Day Cache IRA
0.45%$100k-541 to 720 Day Jumbo Cache IRA
0.25%$1k-366 to 540 Day Cache IRA
0.25%$100k-366 to 540 Day Jumbo Cache IRA
0.20%$1k-91 to 365 Day Cache IRA
0.20%$100k-91 to 365 Day Jumbo Cache IRA
0.05%$1k-30 to 90 Day Cache IRA
0.05%$100k-30 to 90 Day Jumbo Cache IRA
Locations


Cache Bank and Trust Locations
Downtown Fort Collins Branch100 South College AvenueFort Collins, CO 80524
Downtown Denver Branch410 17th Street, Suite 100Denver, CO 80202
Cache Bank and Trust4601 West 20th StreetGreeley, CO 80631
South Fort Collins Branch4645 Ziegler RoadFort Collins, CO 80528