United Valley Bank
Cavalier, ND
IDRSSD: 922559
Total Assets
$722.78M
Latest filing
Total Deposits
$609.90M
Latest filing
Net Interest Margin
3.52%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
United Valley Bank
211 Division Ave S
Cavalier, ND 58220
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/25/1905FDIC Certificate 9783
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| United Valley Bank (Main) | 211 Division Ave S | Cavalier, ND |
| TWIN VALLEY BRANCH | 205 Main Ave W | Twin Valley, MN |
| UNITED VALLEY BANK | 203 S 2nd St | Hallock, MN |
| GRAND FORKS BRANCH | 2718 S Columbia Rd | Grand Forks, ND |
| LANCASTER BRANCH | 114 Central Avenue S | Lancaster, MN |
| UNITED VALLEY BANK-MAHNOMEN BRANCH | 326 Us Highway 59 | Mahnomen, MN |
| CROOKSTON BRANCH | 1901 Sahlstrom Dr | Crookston, MN |
| FARGO BRANCH | 3300 Jacks Way S | Fargo, ND |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/25/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58220 |
| State and County Number | 38067 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 82 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 03/22/1937 |
| Primary Insurance Agency | DIF |
| Website | www.uvbank.net |
| Data Updated | 01/30/2026 |
| CERT | 15478 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $722.78M |
| Total Deposits | $609.90M |
| Total Liabilities | $645.00M |
| Total Equity Capital | $77.78M |
| Net Income | $2.28M |
| Net Loans and Leases | $508.05M |
| Assets Per Employee ($Millions) | $9.51M |
| Bank Premises and Fixed Assets | $22.48M |
| Cash and Balances due from Depository Institutions | $51.62M |
| Deposits Held in Domestic Offices | $609.90M |
Key Performance Ratios
| Return on Assets (ROA) | 1.28% |
| Return on Equity (ROE) | 11.85% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 61.74% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.761% |
| Earning Assets to total Assets | 93.66% |
Income and Expense
| Total Interest Income | $9.21M |
| Total Noninterest Income | $524.00k |
| Total Interest Expense | $3.34M |
| Total Noninterest Expense | $4.02M |
| Net Interest Income | $5.87M |
| Pre-tax Net Operating Income | $2.26M |
| Provision for Credit Losses | $110.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $28.22M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.88M |
| Total Liabilities and Capital | $722.78M |
Securities
| Securities | $119.72M |
| Available-for-sale debt securities | $119.34M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $98.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Valley Bank?
$722.78M as of the latest filing.
How much are United Valley Bank's total deposits?
$609.90M in total deposits.
Where is United Valley Bank located?
Cavalier, ND.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
8.
When was it established?
08/25/1905.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$508.05M (latest filing).
What is the total interest income (latest filing)?
$9.21M.