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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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.
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.
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.
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.
|FDIC Certificate #||34328|
|Assets and Liabilities|
|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|
|Equity Capital||$14.05 million|
|Loan Loss Allowance||$1.04 million|
|Real Estate Owned||$903,000|
|Profit Margin - Quarterly|
|Net Interest Margin||2.99%|
|Return on Assets||-0.06%|
|Return on Equity||-0.71%|
|Interest Income||$1.23 million|
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|0.10%||-||-||Cache Classic Savings|
|0.10%||-||-||Cache Junior Savings|
|0.15%||$100k||-||Cache Treasury Indexed Money Market|
|0.10%||-||-||Cache Checking NOW Account|
|0.10%||-||-||Cache Club 55 Senior Checking|
|0.10%||-||-||Cache Club Checking|
|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|
|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|
|Cache Bank and Trust Locations|
|Downtown Fort Collins Branch||100 South College Avenue||Fort Collins, CO 80524|
|Downtown Denver Branch||410 17th Street, Suite 100||Denver, CO 80202|
|Cache Bank and Trust||4601 West 20th Street||Greeley, CO 80631|
|South Fort Collins Branch||4645 Ziegler Road||Fort Collins, CO 80528|