Side-by-side · Q2 2026 data
United Valley Bank vs American Federal Bank
Metric by metric
| Measure | United Valley Bank | American Federal Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 66 |
| Capital cushion | 55 (stronger) | 43 |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 64 (stronger) | 62 |
| Funding & liquidity | 62 (stronger) | 40 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 50th | 31st |
| Total assets | $751.6M | $795.8M |
| Deposits / shares | $628.5M | $615.6M |
| Capital ratio | 10.50% (stronger) | 9.32% |
| Problem loans | 0.13% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.10% (stronger) | 1.06% |
| Loans ÷ deposits | 86.5% (stronger) | 110.2% |
| Uninsured deposits | 25.2% | 23.9% (stronger) |
| Offices | 8 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
United Valley Bank has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), United Valley Bank leads on 4 and American Federal Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fargo, ND
- Crookston, MN
- Hallock, MN
- Grand Forks, ND