United Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Valley Bank of Cavalier, ND against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.32% | 1.34% | -0.02% | 54th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.49% | 13.31% | -0.82% | 51st above |
| Net Interest Margin | 3.68% | 3.93% | -0.25% | 36th below |
| Efficiency Ratio | 62.64% | 61.14% | +1.50% | 46th below |
| PPNR / Avg Assets | 1.32% | 1.68% | -0.36% | 35th below |
| Yield on Earning Assets | 5.57% | 5.67% | -0.10% | 49th below |
| Cost of Funds | 2.07% | 1.88% | +0.19% | 33rd below |
| Net Interest Spread | 3.15% | 3.32% | -0.17% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.94% | -0.79% | 68th above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 69th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 77th top |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 792.30% | 1539.27% | -746.97% | 79th top |
| Texas Ratio | 1.07% | 7.34% | -6.27% | 71st above |
| Provision / NCO | 32000.00% | 1361.58% | +30638.42% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.50% | 12.14% | -1.64% | 42nd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.54% | 11.37% | -0.83% | 53rd above |
| TCE / Tangible Assets | 9.54% | 11.09% | -1.55% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.56% | 80.63% | +6.93% | 34th below |
| Core Deposit Ratio | 83.84% | 86.86% | -3.02% | 27th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.92% | 5.03% | -0.11% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.34% | 6.85% | +2.49% | 80th top |
| Loan Growth (Y/Y) | 11.62% | 7.90% | +3.72% | 78th top |
| Deposit Growth (Y/Y) | 8.16% | 6.29% | +1.87% | 77th top |
See United Valley Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Valley Bank profile, how to read a UBPR, or how this data updates.