BlastPoint's Banking Scorecard

United Valley Bank

$100M-$1B Specialty: Agricultural ND FDIC cert 15478

Cavalier, ND

9 branches across MN · ND

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
Deposits +8.2% year over year ($628.5M on the books).
Delinquency rate 0.14%.
Return on assets 1.10%.
Efficiency ratio 65.82% vs a 64.48% peer average.
Loan-to-deposit ratio 86.55% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 34 in ND

View $100M-$1B leaderboard (ND) →

United Valley Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 31.6% in tier
- Net Interest Margin 0.36% below tier average
- Efficiency Ratio 1.34% above tier average

Get updates when United Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$751.6M +9.3% YoY +4.0% QoQ	+$365.0M	$386.6M +1.2% YoY	$1.1B +6.9% YoY	$6.3B +7.7% YoY	Top 10.1% in tier
Total Loans ?	$543.9M +11.7% YoY +5.6% QoQ	+$285.6M	$258.3M +1.7% YoY	$805.2M +6.2% YoY	$3.2B +9.4% YoY	Top 8.4% in tier
Total Deposits ?	$628.5M +8.2% YoY -0.6% QoQ	+$301.8M	$326.7M +0.7% YoY	$922.2M +5.0% YoY	$4.9B +7.3% YoY	Top 10.5% in tier
Return on Assets ?	1.10% -22.8% YoY +26.9% QoQ	-0.23%	1.32% +10.8% YoY	1.44% +8.8% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	3.63% +5.0% YoY +3.8% QoQ	-0.36%	3.99% +5.0% YoY	3.79% +4.3% YoY	3.95% +4.9% YoY	34%
Efficiency Ratio ?	65.82% +6.1% YoY -4.6% QoQ	+1.34%	64.48% -3.2% YoY	59.23% -3.7% YoY	70.05% +2.5% YoY	40%
Delinquency Rate ?	0.14% -51.1% YoY -23.7% QoQ	-0.78%	0.92% +15.7% YoY	0.86% +16.6% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	86.55% +3.2% YoY +6.3% QoQ	+8.60%	77.95% +1.0% YoY	73.82% -0.7% YoY	79.03% +2.3% YoY	34%
Non-Interest-Bearing Deposit Share ?	13.42% -7.8% YoY -15.6% QoQ	-8.61%	22.03% -0.6% YoY	21.56% +2.8% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	0.10% -50.1% YoY -22.5% QoQ	-0.57%	0.67% +16.4% YoY	0.54% +8.1% YoY	0.69% +15.8% YoY	72%
Tier 1 Capital Ratio ?	10.50% -24.2% YoY -0.9% QoQ	-5.40%	15.91% +1.4% YoY	12.90% +0.7% YoY	17.09% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.07% -33.2% YoY +108.4% QoQ	-0.49%	0.57% +7.6% YoY	0.22% -1.4% YoY	0.66% +5.2% YoY	Bottom 11.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Noninterest-Bearing	13.4% -1.1pp YoY -2.5pp QoQ	-8.7pp	22.1%	21.6%	22.2%	18%
Brokered Deposits	1.6% 0.0pp QoQ	-6.3pp	7.9%	6.0%	8.5%	25%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
C&I	12.9% +0.5pp YoY -0.2pp QoQ	+1.4pp	11.6%	12.9%	12.5%	68%
CRE	34.6% +1.3pp YoY +0.6pp QoQ	-4.9pp	39.5%	29.0%	41.4%	42%
1-4 Family	11.4% +0.6pp YoY +0.7pp QoQ	-21.2pp	32.6%	12.3%	31.3%	13%
Consumer	1.8% -0.2pp YoY 0.0pp QoQ	-2.3pp	4.1%	4.5%	5.0%	45%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.3%	19.7%	n/a
Leverage Ratio	10.5% -0.3pp YoY -0.1pp QoQ	-1.7pp	12.2%	10.7%	12.6%	41%
Total Capital Ratio	n/a	n/a	19.9%	16.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Full-Time Employees	84 +5 (+6.3%) YoY +2 (+2.4%) QoQ	+25	58	138	482	79%
Assets per Employee ($)	$8.9M +2.8% YoY +1.5% QoQ	+$1.4M	$7.5M	$8.3M	$8.8M	78%
Branch Count	9 +1 (+12.5%) YoY 0 QoQ	+4	4	7	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.5%	0.4%	10%
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.7%	1.0%	22%
Allowance Coverage	8.63x +97.2% YoY +25.7% QoQ	-15.52x	24.15x	73.79x	20.23x	80%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	29%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
ROE	10.2% -4.1pp YoY +2.2pp QoQ	-1.9pp	12.2%	16.0%	11.6%	39%
Cost of Funds (YTD)	1.9% +0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.7%	1.7%	66%
Net Income ($, YTD)	$4.0M -16.4% YoY — QoQ	+$1.5M	$2.6M	$7.0M	$40.4M	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#98 of 307 • Bottom 31.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.10%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

222

Total Loans

size

Value: $543.94M

Peer Median: $258.35M

#222 of 2643 Top 8.4% in $100M-$1B

269

Total Assets

size

Value: $751.56M

Peer Median: $386.57M

#269 of 2643 Top 10.1% in $100M-$1B

279

Total Deposits

size

Value: $628.49M

Peer Median: $326.73M

#279 of 2643 Top 10.5% in $100M-$1B

Top Weaknesses (3 metrics)

2352

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2352 of 2643 Bottom 11.0% in $100M-$1B

2201

Tier 1 Capital Ratio

capital

Value: 10.50%

Peer Median: 15.91%

#2201 of 2643 Bottom 16.8% in $100M-$1B

2150

Non-Interest-Bearing Deposit Share

funding

Value: 13.42%

Peer Median: 22.03%

#2150 of 2643 Bottom 18.7% in $100M-$1B