BlastPoint's Banking Scorecard
United Valley Bank
Cavalier, ND
9 branches across MN · ND
United Valley Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 24.9% in tier
- - Net Interest Margin 0.43% below tier average
- - Efficiency Ratio 3.68% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$723.0M
+7.6% YoY
+0.0% QoQ
|
+$336.9M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 11.4% in tier |
| Total Loans ? |
$515.0M
+9.5% YoY
+1.4% QoQ
|
+$259.3M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
Top 9.7% in tier |
| Total Deposits ? |
$632.4M
+6.4% YoY
+3.7% QoQ
|
+$304.4M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Top 10.5% in tier |
| Return on Assets ? |
0.86%
-18.3% YoY
-35.4% QoQ
|
-0.41% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
3.50%
+5.9% YoY
+0.2% QoQ
|
-0.43% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
68.97%
+6.6% YoY
+11.1% QoQ
|
+3.68% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
0.18%
-89.9% YoY
-6.5% QoQ
|
-0.71% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
81.44%
+2.9% YoY
-2.2% QoQ
|
+4.81% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
15.90%
-3.1% YoY
-1.2% QoQ
|
-6.12% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.13%
-89.7% YoY
-5.2% QoQ
|
-0.51% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
10.60%
-22.9% YoY
-0.8% QoQ
|
-5.23% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.04%
-8.8% YoY
-83.5% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.1% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.