Side-by-side · Q2 2026 data
First United Bank vs United Valley Bank
Metric by metric
| Measure | First United Bank | United Valley Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 72 |
| Capital cushion | 51 | 55 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 87 (stronger) | 64 |
| Funding & liquidity | 71 (stronger) | 62 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 72nd | 50th |
| Total assets | $810.8M | $751.6M |
| Deposits / shares | $702.1M | $628.5M |
| Capital ratio | 10.13% | 10.50% (stronger) |
| Problem loans | 0.01% (stronger) | 0.13% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.66% (stronger) | 1.10% |
| Loans ÷ deposits | 81.9% (stronger) | 86.5% |
| Uninsured deposits | 21.6% (stronger) | 25.2% |
| Offices | 19 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
First United Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First United Bank leads on 5 and United Valley Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cavalier, ND
- Fargo, ND