Advertisement

Banks · North Dakota

United Valley Bank

Cavalier, ND · FDIC Certificate #15478 · Chartered 08/2

Total assets
$751.56M
Total deposits
$628.49M
Total equity
$79.19M
Net loans
$543.94M
Branches (offices)
9
Net income (YTD)
$4.01M
Rank: #1,311 of 4,213 U.S. banks by assets · #16 of 60 in North Dakota. Assets changed 9.3% and deposits 8.2% over the year to June 30, 2026.
Advertisement

Key ratios

Return on assets (YTD, annualized by FDIC)1.10%
Return on equity10.25%
Net interest margin (YTD)3.63%
Equity to assets10.54%
Tier 1 leverage ratio10.50%
Uninsured deposits (share of deposits)25.2%
Noncurrent loans (share of loans)0.13%
Net charge-offs (share of loans)0.00%
Loans to deposits86.5%
Real estate loans (share of loans)62.4%

Loan mix

CategoryAmountShare
Real estate loans$339.36M
62.4%
Commercial & industrial$70.29M
12.9%
Consumer / individual$9.95M
1.8%
Construction & development$16.70M
3.1%
Agricultural$120.01M
22.1%

Five-year trend (June snapshots)

PeriodTotal assetsDepositsNet income (year to date)Equity / net worth
Jun 2022$571.58M$520.33M$2.75M$48.26M
Jun 2023$612.61M$525.86M$3.72M$50.83M
Jun 2024$631.00M$554.41M$3.20M$54.95M
Jun 2025$687.38M$581.05M$4.80M$73.78M
Jun 2026$751.56M$628.49M$4.01M$79.19M

Where its branch deposits sit (FDIC Summary of Deposits)

StateBranch depositsOffices
Minnesota$386.07M6
North Dakota$242.42M3

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $628.49M.

Similar-sized banks

First National Community Bank ($754.71M) · Fortifi Bank ($750.38M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.

Advertisement