Bank · FDIC insured
United Valley Bank
Top CarrotA $751.6M bank headquartered in Cavalier, ND, with 9 branches in 2 states. Best rates: CDs 4.25% and savings 1.50% APY.
United Valley Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#2 of 15 in Grand Forks, ND-MN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About United Valley Bank
United Valley Bank was founded in 1905 in Cavalier, North Dakota, and returned to local ownership in 1987 when its local board of directors purchased it from First Bank System.
The bank serves communities across North Dakota and Minnesota, focusing on supporting the financial health and growth of the Red River Valley area.
United Valley Bank expanded by acquiring Argyle State Bank in 2004, Hallock and Lancaster locations in 2010, First National Bank Mahnomen and Twin Valley in 2018, and Northern Sky Bank in 2021.
- Headquarters
- 211 Division Ave S, Cavalier, ND 58220
- FDIC certificate
- 15478 ↗
Branches
9 branches in 2 states
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Minnesota
6 branches
Argyle area · 1
- United Valley Bank Branch103 W 3rd St, Argyle, MN 56713Directions
Grand Forks area · 1
- Crookston Branch1901 Sahlstrom Dr, Crookston, MN 56716Directions
Hallock area · 1
- United Valley Bank203 S 2nd St, Hallock, MN 56728Directions
Lancaster area · 1
- Lancaster Branch114 Central Avenue S, Lancaster, MN 56735Directions
Mahnomen area · 1
- Mahnomen Branch326 Us Highway 59, Mahnomen, MN 56557Directions
Twin Valley area · 1
- Twin Valley Branch205 Main Ave W, Twin Valley, MN 56584Directions
North Dakota
3 branches
Cavalier area · 1
- United Valley BankMain office211 Division Ave S, Cavalier, ND 58220Directions
Fargo area · 1
- Fargo Branch3300 Jacks Way S, Fargo, ND 58104Directions
Grand Forks area · 1
- Grand Forks Branch2718 S Columbia Rd, Grand Forks, ND 58201Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.50% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.13% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.10% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $88 | $81 | — |
- CapitalLeverage ratio10.50%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.13%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.10%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$88Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of United Valley Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.