The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 3 points (75 → 72), mostly because the earnings component weakened by 13 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in North Dakota

Yes. United Valley Bank is an FDIC-insured institution (FDIC certificate #15478). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.2% of deposits ($158.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

United Valley Bank lists 8 offices in 8 cities across 2 states. Most locations:

• Argyle, MN (1)
• Cavalier, ND (1)
• Crookston, MN (1)
• Fargo, ND (1)
• Grand Forks, ND (1)
• Hallock, MN (1)
• Mahnomen, MN (1)
• Twin Valley, MN (1)

All branch addresses and map

Legal name

United Valley Bank

Former names

First State Bank of Cavalier; First Merchants and Farmers Bank of Cavalier; First Bank Cavalier, National Association; Merchants & Farmers Bank of Cavalier

Type

State-chartered bank

FDIC certificate #

15478

RSSD ID

922559

Primary regulator

FDIC

Holding company

First Holding Co Cavalier Inc

Established

August 25, 1905

Headquarters

211 Division Ave S, Cavalier, ND 58220

Website

www.uvbank.net

Employees

84