United Valley Bank
Cavalier, North Dakota · FDIC Cert #15478
United Valley Bank is an FDIC-insured bank (Certificate #15478) with $631M in total assets and $554M in total deposits as of the Q2 2024 Call Report. Headquartered in Cavalier, North Dakota, the bank maintains a Tier 1 capital ratio of 11.78% (Well-Capitalized) and a nonperforming loan ratio of 1.69%. BankHealthData assigns a composite Health Grade of B (74/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
United Valley Bank (FDIC cert 15478) is a community bank — $631M in total assets, $554M in deposits, serving the Cavalier, North Dakota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.78% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.69% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 26.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.01% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. United Valley Bank carries a composite BankHealth grade of B (74/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: United Valley Bank
- Total Assets
- $631M
- Total Deposits
- $554M
- Tier 1 Capital Ratio
- 11.78%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.69%
- Liquidity Ratio
- 26.34%
- Return on Assets
- 1.01%
- Headquarters
- Cavalier, North Dakota
- FDIC Certificate
- #15478
- Health Grade
- B (74/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, United Valley Bank holds a Tier 1 capital ratio of 11.78%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning United Valley Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
United Valley Bank shows strong financial health indicators. With $631M in assets and a Health Score of 74/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How United Valley Bank Compares
United Valley Bank’s Health Score of 74 is 6 points above the North Dakota state average of 68 across 55 FDIC-insured banks. Its 11.78% Tier 1 capital ratio is 2.2 points below the US banking industry average near 14%. The 1.69% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.01% is below the national ROA benchmark of ~1.1%. Among 1326 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, United Valley Bank is 4 points above the portfolio average of 70.
Frequently Asked Questions
United Valley Bank has a Bank Health Score of B (74/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.78%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. United Valley Bank's Tier 1 capital ratio of 11.78% and nonperforming loan ratio of 1.69% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at United Valley Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15478). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
United Valley Bank holds $631M in total assets and $554M in total deposits. It is headquartered in Cavalier, North Dakota (FDIC Certificate #15478).
United Valley Bank has a Tier 1 capital ratio of 11.78%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.69%, and the return on assets is 1.01%.
Yes. United Valley Bank is FDIC-insured (Certificate #15478). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
United Valley Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.