Utah Independent Bank vs Cache Valley Bank
Comparing a Bank in Salina, UT with a Bank in Logan, UT using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Utah Independent Bank ↗ Bank · Salina, UT · Est. 1977 | Cache Valley Bank ↗ Bank · Logan, UT · Est. 1975 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Salina, UT | Logan, UT |
| Total assets | $163.0M | $3.5B |
| Capital ratio | 15.1% | 10.1% |
| Return on assets | 3.4% | 1.8% |
| Deposits | $136.5M | $3.1B |
| Branches | 4 | 24 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 42 | #3 of 42 |
| Established | 1977 | 1975 |
Utah Independent Bank
- Assets: $163.0M
- Deposits: $136.5M
- Capital ratio: 15.1%
- Return on assets: 3.4%
- CFPB complaints: 0
- State rank: #4 of 42
Cache Valley Bank
- Assets: $3.5B
- Deposits: $3.1B
- Capital ratio: 10.1%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #3 of 42
Are both institutions federally insured?
Yes. Utah Independent Bank is FDIC-insured and Cache Valley Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Utah Independent Bank or Cache Valley Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Utah Independent Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Utah Independent Bank safe?
Yes — Utah Independent Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Cache Valley Bank safe?
Yes — Cache Valley Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Utah Independent Bank vs Cache Valley Bank?
Utah Independent Bank has a capital ratio of 15.1%, placing it in the top 10% of $100M–1B peers. Cache Valley Bank's ratio is 10.1%, placing it in the bottom 47% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Utah Independent Bank have compared to Cache Valley Bank?
The CFPB database shows 0 complaints against Utah Independent Bank, and 0 complaints against Cache Valley Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Utah Independent Bank with other Banks in Utah
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
