United Valley Bank
Cavalier, ND · Cert 15478 · Peer group: banks under $1B in assets operating regionally (n=99) · First Holding Co. Cavalier Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$751.6MAssets
$550.3MLoans
$628.5MDeposits
$79.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 81% of banks under $1B in assets operating regionally (rank 20 of 99).
- Widest gap: net interest margin trails 81% of banks under $1B in assets operating regionally (rank 80 of 99).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.84%
Rank 73 of 99
Net Interest Margin
3.39%
Rank 80 of 99
Efficiency Ratio
66.98%
Rank 62 of 99
Equity / Assets
10.54%
Rank 41 of 99
Non-interest income vs. expense
Unfavorable gap of $16.3M · efficiency ratio beats 38% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.82% | 1.19% | 1.48% | Beats 26% | 73 / 99 | |
| Return on Equity | 7.96% | 7.92% | 11.87% | 14.08% | Beats 25% | 74 / 99 | |
| Net Interest Margin | 3.39% | 3.44% | 3.80% | 4.18% | Beats 19% | 80 / 99 | |
| Efficiency Ratio | 66.98% | 55.83% | 62.41% | 73.02% | Beats 38% | 62 / 99 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.19% | 0.46% | 1.04% | Beats 79% | 22 / 99 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.06% | Beats 81% | 20 / 99 | |
| Capital |
| Tier 1 Capital Ratio | 10.50% | 10.28% | 11.95% | 14.75% | Beats 28% | 71 / 99 | |
| Total Risk-Based Capital Ratio | 10.50% | 10.45% | 12.59% | 15.64% | Beats 26% | 73 / 99 | |
| Equity / Assets | 10.54% | 8.89% | 10.14% | 11.36% | Beats 59% | 41 / 99 | |
| Liquidity & Funding |
| Loans / Deposits | 87.56% | 74.57% | 84.03% | 94.55% | 63rd pctl | 37 / 99 | |
| Loans / Assets | 73.22% | 62.55% | 71.25% | 78.99% | 55th pctl | 45 / 99 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |