Cache Valley Bank
Headquartered in LOGAN, UT. Analysis based on 313 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $122.7M.
Total 7(a) loans
313
Total approved
$122.7M
Average loan
$392K
States funded in
19
Charge-off rate
0.43%
FY2020–FY2023 cohort
Paid-in-full rate
28.63%
Average rate
7.02%
Average term
113 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 236220 | Commercial and Institutional Building Construction | 10 |
| 238990 | All Other Specialty Trade Contractors | 9 |
| 311811 | Retail Bakeries | 8 |
| 561730 | Landscaping Services | 8 |
| 722513 | Limited-Service Restaurants | 8 |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 7 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 7 |
| 445291 | Baked Goods Stores | 7 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 6 |
| 238910 | Site Preparation Contractors | 6 |
Top 10 states
| State | Loans |
|---|---|
| UT | 251 |
| ID | 14 |
| NV | 9 |
| CA | 6 |
| TX | 5 |
| CO | 5 |
| WY | 3 |
| WA | 3 |
| AL | 3 |
| SD | 2 |
Top franchise brands financed
21 franchise loans across 6 distinct brands.
| Franchise | Loans |
|---|---|
| Crumbl | 15 |
| Generator Supercenter | 2 |
| The Back Nine | 1 |
| Iceberg Drive Inn | 1 |
| FiiZ Drinks | 1 |
| Menchie's | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.