UNITED VALLEY BANK

CAVALIER, ND | Medium | Est. Aug. 25, 1905, midnight | FDIC #15478 | RSSD #922559 | FDIC
Latest Report: 2025-12-31

UNITED VALLEY BANK is amn medium FDIC-insured commercial bank headquartered in CAVALIER, ND, established in Aug. 25, 1905, midnight. As of 2025-12-31, the bank reported total assets of $723M and total deposits of $610M. Profitability stands at 1.28% ROA and 11.85% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 8.73%. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.15%. FDIC Certificate #15478.

Assets

$723M

Deposits

$610M

Loans

$514M

Equity

$78M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 11.85%
Net Interest Margin (NIM) 3.59%
Yield on Assets 5.63%
Cost of Funds 2.13%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.15%
NPA Ratio 0.13%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 8.73%
Tier 1 Capital 8.73%
Total Capital Ratio 9.16%
Leverage Ratio 10.69%
Loan-to-Deposit 84.29%

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