United Valley Bank (FDIC #15478): Bank Stress & Real-Estate Credit Exposure
United Valley Bank (FDIC Cert #15478): bank stress 67/100, elevated, STABLE over 7 days; parent FIRST HOLDING CO CAVALIER INC.
United Valley Bank (#15478) lends in 8 counties across 2 states; United Valley Bank (#15478) reaches 123 ZIP codes: Minnesota 5 counties, 59 ZIPs; North Dakota 3 counties, 66 ZIPs.
United Valley Bank (#15478) largest markets: Cass County, ND (30 branches, 30 ZIPs) (#15478), Polk County, MN (25 branches, 25 ZIPs) (#15478), Grand Forks County, ND (22 branches, 22 ZIPs) (#15478), Marshall County, MN (15 branches, 15 ZIPs) (#15478), Norman County, MN (15 branches, 15 ZIPs) (#15478), Pembina County, ND (14 branches, 14 ZIPs) (#15478).
United Valley Bank (#15478) reports $751.6 million in total assets; United Valley Bank (#15478) equity $79.2 million (10.5% of United Valley Bank (#15478) assets); United Valley Bank (#15478) domestic deposits $628.5 million; United Valley Bank (#15478) net income $4.0 million; United Valley Bank (#15478) return on assets 1.10%; United Valley Bank (#15478) return on equity 10.25%; United Valley Bank (#15478) net interest income $12.5 million; United Valley Bank (#15478) call report June 30, 2026.
United Valley Bank (#15478) noncurrent real-estate loans: none reported; United Valley Bank (#15478) net charge-offs on real estate 0.13%; United Valley Bank (#15478) residential charge-offs 0.09%.
United Valley Bank (#15478) net interest margin 3.63% against an eight-quarter United Valley Bank (#15478) average of 3.42% (United Valley Bank (#15478) compression -0.21 points); United Valley Bank (#15478) non-residential real estate 9.0% of equity; United Valley Bank (#15478) rate-exposure score 40/100, United Valley Bank (#15478) fixed-rate trap 40/100; United Valley Bank (#15478) risk type credit driven; United Valley Bank (#15478) rate regime rates elevated, United Valley Bank (#15478) snapshot October 19, 2026.
United Valley Bank (#15478) stress score moved from 68.9 on June 22, 2026 to 66.7 on October 19, 2026; United Valley Bank (#15478) ranged 66.7 to 68.9 over 116 snapshots.
United Valley Bank (#15478) alerts: 8 counties; top United Valley Bank (#15478) alert scores: Grand Forks County, ND 46 (moderate); Cavalier County, ND 39 (moderate); Argyle County, ND 23 (low); Crookston County, ND 23 (low); Fargo County, ND 23 (low).