United Valley Bank
Cavalier, ND · Cert 15478 · Peer group: banks under $1B in assets operating regionally (n=94) · 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 82% of banks under $1B in assets operating regionally (rank 18 of 94).
- Widest gap: net interest margin trails 79% of banks under $1B in assets operating regionally (rank 74 of 94).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.84%
Rank 70 of 94
Net Interest Margin
3.39%
Rank 74 of 94
Efficiency Ratio
66.98%
Rank 59 of 94
Equity / Assets
10.54%
Rank 41 of 94
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.82% | 1.19% | 1.46% | Beats 26% | 70 / 94 | | |
| Return on Equity | 7.96% | 7.85% | 11.84% | 14.03% | Beats 27% | 69 / 94 | | |
| Net Interest Margin | 3.39% | 3.42% | 3.81% | 4.18% | Beats 21% | 74 / 94 | | |
| Efficiency Ratio | 66.98% | 55.99% | 62.41% | 73.02% | Beats 38% | 59 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.19% | 0.47% | 1.14% | Beats 79% | 21 / 94 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 82% | 18 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 10.50% | 10.28% | 11.95% | 15.07% | Beats 30% | 66 / 94 | | |
| Total Risk-Based Capital Ratio | 10.50% | 10.31% | 12.59% | 15.88% | Beats 28% | 68 / 94 | | |
| Equity / Assets | 10.54% | 8.98% | 10.21% | 11.41% | Beats 56% | 41 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.56% | 72.62% | 84.44% | 94.55% | 61st pctl | 37 / 94 | | |
| Loans / Assets | 73.22% | 62.50% | 72.84% | 78.99% | 52nd pctl | 45 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |