Total Assets
$723M
Total balance-sheet footings
FDIC Cert #15478 · Cavalier, North Dakota · Est. 1905
United Valley Bank - FDIC Bank Health Profile
A community-scale look at United Valley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $723M
- Total assets
- B
- Health grade · Good
- 1.34%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
United Valley Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.69% Tier 1, profitable at 1.34% ROA, 62% efficiency ratio.
- #1,353
- largest of 4,313 FDIC banks by assets
- 69th
- percentile by asset size, nationally
- 10.69%
- Tier 1 ratio - above the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How United Valley Bank's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Valley Bank's composite health score
Tier 1 Capital Ratio (10.69%) 28/40
Return on Assets (ROA) (1.34%) 20/25
Texas Ratio (1.15%) 20/20
Efficiency Ratio (62.08%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$610M
Customer-funded liabilities
Net Loans
$508M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Valley Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Valley Bank's score of 76/100 falls in the highlighted band.
United Valley Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Valley Bank's $723M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.69%
Texas Ratio
1.15%
Equity Capital
$78M
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.34%
Return on Equity (ROE)
13.00%
Efficiency Ratio
62.08%
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. It holds $723M in total assets - 1,353rd of 4,313 FDIC-insured banks, $610M in customer deposits, and $508M in net loans. Looking at capital strength, Tier 1 stands at 10.69%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.15%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within North Dakota, United Valley Bank ranks 16th of 61 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$35M
Interest Income
$2M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Valley Bank reports a Texas Ratio of 1.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Valley Bank (FDIC Cert #15478) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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 BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Choice Financial GroupFargo | $6.0B | B | 1.22% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Bravera BankDickinson | $3.8B | B | 1.12% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| First Western Bank & TrustMinot | $2.3B | C | 0.84% |
Frequently asked questions
What is United Valley Bank's health grade?▼
United Valley Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is United Valley Bank?▼
United Valley Bank holds $723M in total assets and $610M in deposits, ranking 1,353rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Cavalier, North Dakota.
Is my money safe at United Valley Bank?▼
Yes, deposits at United Valley Bank (Certificate #15478) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Valley Bank's Tier 1 Capital Ratio?▼
United Valley Bank has a Tier 1 Capital Ratio of 10.69%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for United Valley Bank?▼
United Valley Bank has a Texas Ratio of 1.15%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read United Valley Bank's profile as a depositor or analyst.
- United Valley Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Valley Bank against other North Dakota banks before moving funds. North Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.