United Valley Bank: how it compares with its peers
Against 14 ND banks with half to twice its assets, United Valley Bank's strongest measure in Q2 2026 is assets per employee ($8.9M vs. a $7.8M peer median). Its weakest relative measure is return on assets (1.10% vs. 1.74%).
| Measure | United Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 1.74% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.63% | 3.94% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.82% | 53.49% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.9M | $7.8M | Top third Ahead of 79% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.55% | 88.48% | Context |
What it means for lending operations
Its efficiency ratio of 65.82% is above the 53.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- American Federal Bank Fargo, ND · $796M
- BankNorth Arthur, ND · $694M
- First United Bank Park River, ND · $811M
- American State Bank & Trust Company of Williston Williston, ND · $643M
- Unison Bank Jamestown, ND · $597M
- KodaBank Drayton, ND · $560M
Questions about United Valley Bank
How big is United Valley Bank?
United Valley Bank, established in 1905, is headquartered in Cavalier, ND. It reported $752M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is United Valley Bank's return on assets?
1.10% annualized in Q2 2026, against a 1.74% median for 14 ND banks with half to twice its assets, ahead of 7% of them.
What is United Valley Bank's efficiency ratio?
65.82% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 53.49%, and lower is better.
Is United Valley Bank growing its loans?
Net loans grew 11.7% over the year to Q2 2026, while deposits grew 8.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are ND banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Dakota bank ranked.