Total Assets
$723M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
United Valley Bank — FDIC Bank Health Profile
Cavalier, North Dakota · Est. 1905. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #15478 Kansas City Region
F
Health grade
At Risk
Score: 28/100
Basel III capital ratios — United Valley Bank
Total Deposits
$610M
Customer-funded liabilities
Net Loans
$508M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$78M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.34%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
13.00%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
62.08%
Income & Expense Breakdown
$35M
Interest Income
$2M
Non-Interest Income
$15M
Non-Interest Expense
FDIC Deposit Insurance
United Valley Bank is FDIC-insured (Certificate #15478). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About United Valley Bank
United Valley Bank is an FDIC-insured institution (Certificate #15478) headquartered in Cavalier, North Dakota, established in 1905. The bank currently holds $723M in total assets and $610M in customer deposits, with $508M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, United Valley Bank reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $78M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.34% and a Return on Equity of 13.00%, with an Efficiency Ratio of 62.08% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (28/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at United Valley Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in North Dakota by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data United Valley Bank (FDIC Cert #15478) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell Bank Fargo | $14.4B | D | 0.59% |
| First International Bank & Trust Watford City | $6.2B | C | 1.69% |
| Choice Financial Group Fargo | $6.0B | F | 1.22% |
| Alerus Financial, National Association Grand Forks | $5.2B | D | 0.42% |
| Gate City Bank Fargo | $4.0B | F | 0.60% |
| Bravera Bank Dickinson | $3.8B | C | 1.12% |
| Western State Bank Devils Lake | $2.6B | B | 1.79% |
| First Western Bank & Trust Minot | $2.3B | F | 0.84% |
Frequently Asked Questions
What is United Valley Bank's health grade? ▼
United Valley Bank receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is United Valley Bank? ▼
United Valley Bank holds $723M in total assets and $610M in deposits. It is headquartered in Cavalier, North Dakota.
Is my money safe at United Valley Bank? ▼
Yes. United Valley Bank is FDIC-insured (Certificate #15478). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is United Valley Bank's Tier 1 Capital Ratio? ▼
United Valley Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is United Valley Bank? ▼
United Valley Bank has an Efficiency Ratio of 62.08%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.