# UNITED VALLEY BANK
CAVALIER, ND · FDIC certificate 15478 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $751.6M | |
| Deposits | $628.5M | |
| Loans and leases | $550.3M | |
| Total equity | $79.2M | |
| Loans / deposits | 86.55% (p63 of band) | 82.04% |
| Liquid assets / assets | 21.90% (p39 of band) | |
| Uninsured deposits / deposits | 25.20% (p47 of band) | 25.97% |
| Brokered deposits | 1.33% | |
| Wholesale funding | 6.25% (p64 of band) | |
| FHLB advances / assets | 4.92% | |
| Tier 1 leverage | 10.50% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -8.37% (p49 of band) | -8.10% |
| AOCI / equity | -0.38% (p48 of band) | |
| ROA (annualized) | 1.10% (p38 of band) | 1.28% |
| Net interest margin | 3.63% (p35 of band) | 3.91% |
| Efficiency ratio | 65.82% (p63 of band) | |
| Noncurrent loans | 0.13% (p27 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 863.06% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 21.09% (p26 of band) | |
| Auto loans | $3.5M (0.64% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 84 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 | capital falling | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 | uninsured deposits leaving | capital falling |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2017-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | brokered >10% |  |
| 2017-12 | 0 |  | brokered >10% |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 4 | capital falling, securities losses >30% of equity, noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 2 |  | capital falling, securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 1 |  | noncurrent p90, capital falling |
| 2025-06 | 0 |  | reserve under noncurrent |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-07 [United Valley Bank Announces Executive Promotions - Grand Forks Herald](https://news.google.com/rss/articles/CBMixAFBVV95cUxQcWo5QXB4Zl9yb3c0cUVwYzdBQVF0SDFCcVI5RnloMnBYZEN6VDgwRVFURzd6WmUtaktMdUNCNWVUZU91QUo0OTJEYXRrd0d5a3ZhX0JqY05oUFROS2kwb1FzU0YzR3c0eDc1NWktWU9VZ3lRdDh0X1o1ZWpYVTRBaXN1NTdlQ0N4eFhWNTJ2cVdYa2hrTnY3Y1d6cHpVTEdqemNpTWRycHRPeFZmTjU5d0NFMDZkNjJtT0p1VVpPeGpKQ3ND?oc=5) · Grand Forks Herald
- 2026-04-22 [United Valley Bank hires Jill Fritel as Vice President/Head of Deposit Operations - Grand Forks Herald](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNTGllcnNPazhuc2M2WUxHVTNqQ19sVEJXYTNSMFFCWlN5UHNWTWlMc2QwZ2VlakdoNUl3a2dRNkxudmx5b3c4ZlVCbXluaGZXYzI1cHhBT1VjSGhwUUFJSlNOdUxwa2RPTkpNOEZtY1ZxNWhkRDRKZkRGd2UtNXhfcWR6S2tmS0JwdmNINnllUmJrSHVnaV8zaldCbkgtSVV1bmZWdF9iMkJoa3N5NTNkN1BqamZsb1JNTjNKZXFodDRDM1ZBYWR0UUYzcVRHRXQyNTdPa1EwbkM5NUR2VzA1LVMyOW11R0thaGRXVm1ORQ?oc=5) · Grand Forks Herald
- 2026-04-15 [United Valley Bank hires Nik Pickett as a Commercial Lender in Fargo, ND - Grand Forks Herald](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQajc0ZHlQSlhyVEN6X0ltSlhHR1NERC1KeE5zU1FLUVR4ZHl4MFFEWkZkamZ5MVFRdmEyNWtXQUhYRHhWYkFsYU1OVHJIV3NsYmtoZEp6TFF4cGwwM213MURLMjA4LUQ0Q0tTeTI4TnctbzM0NVk0THI3Q1lNTEV2bmdXRDhaRk55UVYxQnNwNHY5M294cG14LWpqX25VN0p3VnU0Ui1MOUdzMTM2RGxkVFdQM1I3ZHEtNnlZRWNkMHBfMGxCMDdCQ2lPMUtYOGJla1B0LWtJN1NpM2x6R0dQWnB3?oc=5) · Grand Forks Herald
- 2025-09-16 [This week is Homecoming Week - University of North Dakota (UND)](https://news.google.com/rss/articles/CBMieEFVX3lxTE9FcGdrb2Y2SHhmWXNJNFd6Nm5PLWtreHdySmNqTk9uczZybVFmbkN6NUJZN3hGWVF3dVhZcHl6QURfVnFROEdqSWpGOGNoTXVpeVlTZ1BsSlBTczVUaFhEQWNnaThUQkZOYmR3Vk1BeDRMTlNFY1RVVw?oc=5) · University of North Dakota (UND)
- 2025-08-11 [United Valley Bank’s Taste of Crookston kicks off Ox Cart Days - KROX](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPWmdVbTAycFJtWnNILVhhSG1ZQlRWbDRxMXR4d2NkNndSVVg4cmNyVkR0MlJEX2x1N1drT1hCUE16TFpKenRNRG1RMHROWk82bHBaVV9ZdUFWZWZDSUhONVlsN1U4RWRqc3dvUkNteWYwRXFYN1J5dVJPTDFtRXhVQ3pENzVrVWNV?oc=5) · KROX
- 2023-11-16 [Obituary for James "Jim" Feller - DuBore Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE54T0NQVGRpZXlHTS0wa0xya2tQZTRrYjRpbUV0UXRNWk5weWUxSzRKT1VuemJqYlZTNjNUQWg0RW51dzRNRVZXRjRWVW5QaHREQjBUbWc0OGtwcU00ZkFqcnFjS3pEdE4xX0E?oc=5) · DuBore Funeral Home
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2021-10-05 [A peek at the new United Valley Bank branch in Mahnomen, Minn. - Grand Forks Herald](https://news.google.com/rss/articles/CBMirwFBVV95cUxQbWNzME02dlY1NndSdjJuTGZxbHRvODloVWxlRG1WazNtVlVfSHZVc1drSDYwZHNZTXhTRXhSRnp3bXhfLWMzcGgyVFBEWUQ5ejJkX3UwbmNhVGtCSFlGOUtCcHlwQVFxdDY0NGd5UnlXSEUxUW9JdEN0TF85RmMzODF2MFJac3ZHLWppaU84S1prSXVPdXFxWEZ5aXpnTkhKb1BoVUpib0pFTXJXNi1Z?oc=5) · Grand Forks Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15478 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "15478", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide