United Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
United Valley Bank is an FDIC-insured commercial bank headquartered in Cavalier, ND, established in 1905 (FDIC certificate 15478), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $751.6M, up 9.3% from Q2 2025, the 16th largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.50% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15478
- Headquarters
- Cavalier, ND
- Established
- 1905
- Total assets, Q2 2026
- $751.6M
- Assets vs Q2 2025
- +9.3%
- Tier 1 leverage ratio, Q2 2026
- 10.50%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 091301640
- Latest call report
- Q2 2026, FFIEC 051 · United Valley Bank call report
- Holding company
- FIRST HOLDING COMPANY OF CAVALIER, INC.
- Asset rank in state
- 16th of 60 in North Dakota
Little in United Valley Bank's latest call report stands out. Its balance sheet stood at $752 million at June 30, 2026, up 9.3% from a year earlier; it is based in Cavalier, North Dakota. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
The commercial and industrial book ($70 million) is worsening: 4.53% of it is past due or on nonaccrual, up from 2.00% a year earlier. Net income for the quarter slipped 19% from a year earlier, to $2.5 million.
As of June 30, 2026, United Valley Bank reported a return on assets of 1.32%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.96%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Valley Bank is the 16th largest of the 60 banks headquartered in North Dakota. Between Q1 2026 and Q2 2026, its total assets rose 4.0% to $751.6M, loans rose 5.6% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 21.8% of total loans, ahead of farmland and other real estate loans at 16.2%. Its 9 offices in the FDIC Summary of Deposits are in 9 cities across 2 states; its Cavalier office books 22% of its branch deposits. Judged on its Q2 2026 call report, United Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 211 Division Ave S, Cavalier, ND 58220
- County
- Pembina
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 25, 1905
- Former names
- First State Bank of Cavalier (1987-1998); First Bank Cavalier, National Association (1985-1987); First Merchants and Farmers Bank of Cavalier (1958-1974)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 84
- Domestic deposits
- $628.5M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $743.1M
- Average total loans
- $537.2M
- Average interest-bearing deposits
- $541.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 22, 1937
- FDIC Cert
- 15478
- Fed RSSD
- 922559
- SEC CIK
- 1894034 → filed by FIRST HOLDING COMPANY OF CAVALIER, INC.
- Website
- www.uvbank.net →
- Parent Holding Company
- FIRST HOLDING COMPANY OF CAVALIER, INC. (RSSD 1140211)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, United Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, United Valley Bank's total assets ranged from $623.6M (Q3 2023) to $751.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$751.6M total assets against $687.4M; $672.4M total liabilities against $613.6M.
$543.9M net loans and leases against $487.1M; $628.5M total deposits against $581.1M.
$116.8M securities against $116.4M; $47.9M cash and balances due against $48.5M.
$9.9M total interest income against $8.8M; $3.4M total interest expense against $3.0M.
$6.5M net interest income against $5.8M.
$301K total noninterest income against $502K; $4.4M total noninterest expense against $3.8M.
$80K provision for credit losses against -$550K.
$2.5M net income against $3.0M.
1.32% return on assets against 1.78%; 3.68% net interest margin against 3.53%.
10.50% tier 1 leverage ratio against 10.85%.
Inside the full United Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Valley Bank rankings
Its closest position to the top of a national ranking is 1,303 of 4,196, for total assets; its furthest is 2,698 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.81% (Q3 2024) to 1.78% (Q2 2025) and its net interest margin ran from 3.15% (Q3 2024) to 3.68% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.50% | 1.32% | 0.13% | 0.96% | 3.68% |
| Q1 2026 | 10.60% | 0.86% | 0.18% | 1.21% | 3.43% |
| Q4 2025 | 10.69% | 1.28% | 0.19% | 1.28% | 3.46% |
| Q3 2025 | 10.80% | 1.23% | 0.18% | 1.22% | 3.45% |
| Q2 2025 | 10.85% | 1.78% | 0.27% | 1.90% | 3.53% |
| Q1 2025 | 10.70% | 1.06% | 1.74% | 12.14% | 3.24% |
| Q4 2024 | 8.84% | 1.14% | 1.70% | 14.66% | 3.24% |
| Q3 2024 | 8.93% | 0.81% | 1.72% | 14.01% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Valley Bank (main office) | Cavalier , ND | 58220 | $135.6M |
| Crookston Branch | Crookston , MN | 56716 | $109.9M |
| United Valley Bank (main office) | Hallock , MN | 56728 | $99.2M |
| United Valley Bank-Mahnomen Branch | Mahnomen , MN | 56557 | $98.4M |
| Grand Forks Branch | Grand Forks , ND | 58201 | $94.9M |
| United Valley Bank Branch | Argyle , MN | 56713 | $50.0M |
| Twin Valley Branch | Twin Valley , MN | 56584 | $28.6M |
| Fargo Branch | Fargo , ND | 58104 | $11.9M |
| Lancaster Branch | Lancaster , MN | 56735 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 20, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 20, 2021 | Structure Change | Acquired Northern Sky Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 13, 2018 | Structure Change | Acquired First National Bank Mahnomen Twin Valley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 30, 2010 | Structure Change | Acquired Marshall Bank, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 29, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 29, 2006 | Structure Change | Acquired United Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 28, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in ND, rank 33 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $4.8M approved, $4.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Valley Bank
What are United Valley Bank's total assets?
As of the Q2 2026 filing, United Valley Bank reported total assets of $751.6 million in its FFIEC call report.
Where is United Valley Bank headquartered?
It is headquartered in Cavalier, ND, United States.
When was United Valley Bank founded?
It was established in 1905, per the FDIC institution directory.
Is United Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15478). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Valley Bank?
United Valley Bank's primary federal regulator is the FDIC.
How many branches does United Valley Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Valley Bank's Texas Ratio?
Its Texas Ratio is 0.96% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was United Valley Bank previously called?
The charter now named United Valley Bank has also operated as First State Bank of Cavalier (1987-1998), First Bank Cavalier, National Association (1985-1987), First Merchants and Farmers Bank of Cavalier (1958-1974), per FDIC structure-change records.
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