United Valley Bank

211 Division Avenue South
Cavalier, ND 58220

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15478
Date Established 1905
Assets $0.25 billion
Loans $0.19 billion
Deposits $0.22 billion
Capital $0.02 billion

United Valley Bank is an FDIC insured institution located in Cavalier, ND. It was founded in 1905 and has approximately $0.25 billion in assets. Customers can open an account at one of its 6 branches.

For a more detailed analysis of United Valley Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in United Valley Bank’s loan portfolio are Farm Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in North Dakota, United Valley Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.03
Multifamily
Mortgages
7.09
Credit Card Loans 0.00
Consumer Auto Loans 0.71
Small Business Loans 0.00
Construction and Development Loans 3.71
Commercial Real Estate 16.43
Commercial and Industrial Loans 16.16
Farm Loans 29.51

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.30% $500 - Learn MoreShow Less
6 Mo CD 10K
0.35% $500 - Learn MoreShow Less
12 Mo CD 10K
0.60% $500 - Learn MoreShow Less
24 Mo CD 10K
0.65% $500 - Learn MoreShow Less
36 Mo CD 10K
0.85% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $200 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.60% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.25% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for United Valley Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Ally Mortgage
NMLS ID: 181005
4.524% 4.500% 0.00 $786 $1,267 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.275% 4.250% -0.13 $862 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.040% 4.990% 0.25 $1,424 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
5.040% 4.990% 0.25 $1,424 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.740% $231.27 Learn More

Note to United Valley Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

United Valley Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


United Valley Bank Locations

Financial Details

United Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Valley Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
United Valley Bank U.S. Bank Average
1.28% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, United Valley Bank had $229,000 in non-current loans and $125,000 in owned real estate. To cover these potential losses it had $24,514,000 in equity and $3,091,000 in loans loss reserves. That gives it a Texas Ratio of 1.28%.

Return on Equity
United Valley Bank U.S. Bank Average
15.16% 8.84%

United Valley Bank has a Return on Equity of 15.16% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
United Valley Bank U.S. Bank Average
9.75% 12.21%

United Valley Bank has a Capitalization of 9.75% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

United Valley Bank Balance Sheet Analysis

As of September 30, 2017, United Valley Bank had assets of $251,526,000, loans of $194,155,000, and deposits of $224,942,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About United Valley Bank

Branches and Savings

Is United Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15478.

Why does United Valley Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are United Valley Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is United Valley Bank a commercial bank?

Yes

Where are United Valley Bank locations?

See branch locations nearby.

Is United Valley Bank open on Saturdays?

Is United Valley Bank open on Sundays?

What time does United Valley Bank open?

What time does United Valley Bank close?

Are United Valley Bank ATMs Open 24/7?

Do United Valley Bank ATMs accept cash deposits?

Can United Valley Bank customers use other ATMs?

Do United Valley Bank branches have notaries?

Will United Valley Bank notarize my document?

What address for United Valley Bank should I put for incoming ACH transfers?

Will the United Valley Bank branch print checks?

Do United Valley Bank checks expire?

Does United Valley Bank require US citizenship to open account?

Can United Valley Bank close my account?

Does United Valley Bank Report to credit bureaus?

Does United Valley Bank Use Equifax?

What is United Valley Bank's ACH Routing Number?

What is United Valley Bank's SWIFT code?

Products

Does United Valley Bank offer mortgages?

Compare mortgage rates here.

Does United Valley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Valley Bank offer personal loans?

Compare personal loan rates here.

Does United Valley Bank offer student loans?

Will United Valley Bank cash a check?

Will United Valley Bank redeem a savings bond?

Does United Valley Bank cash savings bonds?

Will United Valley Bank cash money orders?

Can United Valley Bank issue a money order?

Does United Valley Bank do currency exchange?

Background on The Bank

Who owns United Valley Bank?

How long has United Valley Bank been around?

Can United Valley Bank transfer to other banks?

Does United Valley Bank have quick pay?

Does United Valley Bank accept rolled coins?

Will United Valley Bank accept loose change?

Where is United Valley Bank headquarters?

Customer Reviews for United Valley Bank

There are currently no comments for United Valley Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →