United Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 425.03 percentage points higher than in Q1 2026, at 792.30%. Within North Dakota, United Valley Bank is 34th of 60 on return on assets, 1.32% as of Q2 2026, below the middle of the field. United Valley Bank reported 1.32% on return on assets for Q2 2026, 0.07 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.50% |
| Equity capital to assets | 10.54% |
| Tangible equity to tangible assets | 9.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.07% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 792.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 12.49% |
| Net interest margin | 3.68% |
| Efficiency ratio | 62.64% |
| Yield on earning assets | 5.57% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.56% |
| Core deposits to total deposits | 83.84% |
| Brokered deposits to total deposits | 1.59% |
| Deposits to assets | 83.62% |
| Securities to assets | 15.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.49% | 11.49% | 12.65% | 8.92% | 1.13% |
| Q4 2023 | 11.52% | 11.52% | 12.68% | 8.94% | 1.13% |
| Q1 2024 | 11.96% | 11.96% | 13.16% | 9.09% | 1.07% |
| Q2 2024 | 11.78% | 11.78% | 13.01% | 9.10% | 0.95% |
| Q3 2024 | 11.62% | 11.62% | 12.87% | 8.93% | 0.81% |
| Q4 2024 | 11.61% | 11.61% | 12.86% | 8.84% | 1.14% |
| Q1 2025 | 13.75% | 13.75% | 14.99% | 10.70% | 1.06% |
| Q2 2025 | 13.85% | 13.85% | 14.97% | 10.85% | 1.78% |
| Q3 2025 | — | — | — | 10.80% | 1.23% |
| Q4 2025 | — | — | — | 10.69% | 1.28% |
| Q1 2026 | — | — | — | 10.60% | 0.86% |
| Q2 2026 | — | — | — | 10.50% | 1.32% |
United Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15478) · FFIEC NIC profile (RSSD 922559)