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)

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.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.10%
Return on equity	10.25%
Net interest margin (YTD)	3.63%
Equity to assets	10.54%
Tier 1 leverage ratio	10.50%
Uninsured deposits (share of deposits)	25.2%
Noncurrent loans (share of loans)	0.13%
Net charge-offs (share of loans)	0.00%
Loans to deposits	86.5%
Real estate loans (share of loans)	62.4%

Loan mix

Category	Amount	Share
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)

Period	Total assets	Deposits	Net 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)

State	Branch deposits	Offices
Minnesota	$386.07M	6
North Dakota	$242.42M	3

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.