Visbanking Logo

United Valley Bank

Cavalier, ND
IDRSSD: 922559
Total Assets
$700.40M
Latest filing
Total Deposits
$583.27M
Latest filing
Net Interest Margin
3.54%
Profitability
0

Quarterly Trends

Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).

Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

Similar banks

First United Bank
Park River, North Dakota
→
Assets: $712.55MΔ +3.7%
BankNorth
Arthur, North Dakota
→
Assets: $650.77MΔ -5.3%
American State Bank & Trust Company of Williston
Williston, North Dakota
→
Assets: $637.19MΔ -7.3%
American Federal Bank
Fargo, North Dakota
→
Assets: $767.69MΔ +11.7%
Unison Bank
Jamestown, North Dakota
→
Assets: $581.13MΔ -15.5%
First State Bank & Trust
Williston, North Dakota
→
Assets: $534.95MΔ -22.2%

Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date08/25/1905
Community BankYes
Ownership TypeNot Mutual
ZIP58220
State and County Number38067
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees79
Domestic Offices8
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance03/22/1937
Primary Insurance AgencyDIF
Websitewww.uvbank.net
Data Updated11/14/2025
CERT15478
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$700.40M
Total Deposits$583.27M
Total Liabilities$624.33M
Total Equity Capital$76.07M
Net Income$2.15M
Net Loans and Leases$496.64M
Assets Per Employee ($Millions)$8.54M
Bank Premises and Fixed Assets$19.45M
Cash and Balances due from Depository Institutions$46.77M
Deposits Held in Domestic Offices$583.27M

Key Performance Ratios

Return on Assets (ROA)1.24%
Return on Equity (ROE)11.47%
Net Interest Margin3.54%
Efficiency Ratio62.53%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.861%
Earning Assets to total Assets93.84%

Income and Expense

Total Interest Income$9.09M
Total Noninterest Income$270.00k
Total Interest Expense$3.32M
Total Noninterest Expense$3.86M
Net Interest Income$5.78M
Pre-tax Net Operating Income$2.19M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$34.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$7.06M
Total Liabilities and Capital$700.40M

Securities

Securities$116.42M
Available-for-sale debt securities$116.05M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$100.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of United Valley Bank?
$700.40M as of the latest filing.
How much are United Valley Bank's total deposits?
$583.27M in total deposits.
Where is United Valley Bank located?
Cavalier, ND.
What is the Net Interest Margin?
3.54%.
How many domestic offices does it operate?
8.
When was it established?
08/25/1905.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$496.64M (latest filing).
What is the total interest income (latest filing)?
$9.09M.