Compared with North Dakota
4 of 14
compared fees are above the median.
4 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
24th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the North Dakota median
of 14 compared; 4 below, 6 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for United Valley Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the North Dakota median | Published fees above the North Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | United Valley Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.2% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (24th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $82K in Q2 2026, 13% below the same quarter a year earlier ($94K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 14 compared published fees sit above the North Dakota median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with North Dakota medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $7.50, the middle of its prices. Leaves out 1 CD/IRA fee filed under this fee.
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 19% from Q3 2025 to Q2 2026, to $82K. Its share of revenue, 1.2%, is below the 2.1% median for banks with $300M to $1B in assets.
$82K
United Valley BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $3 to $10; we compare the midpoint.
United Valley Bank · $752M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| United Valley Bank(this institution) | Cavalier, ND | $752M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| BAC Community Bank | Stockton, CA | $762M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Prairie du Sac | Prairie du Sac, WI | $745M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| CFSBANK | Charleroi, PA | $773M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chippewa Valley Bank | Hayward, WI | $736M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clinton Savings Bank | Clinton, MA | $745M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Commerce Bank | Laredo, TX | $762M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Countybank | Greenwood, SC | $733M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | Waverly, IA | $740M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Midwest Bank of the Ozarks | Poplar Bluff, MO | $733M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Community Bank | Chatsworth, GA | $755M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Neighbor Bank, National Association | Toledo, IL | $736M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| FM Bank | Waseca, MN | $738M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FNB Bank, Inc. | Mayfield, KY | $770M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| HomeBank | Palmyra, MO | $733M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Itasca Bank & Trust Co. | Itasca, IL | $771M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kleberg Bank, N.A. | Kingsville, TX | $737M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake Shore Bank | Dunkirk, NY | $736M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lea County State Bank | Hobbs, NM | $738M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manufacturers Bank & Trust Company | Forest City, IA | $738M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MidSouth Bank | Dothan, AL | $771M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Midwest Heritage Bank, FSB | West Des Moines, IA | $768M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peoples Community Bank | Greenville, MO | $735M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The National Capital Bank of Washington | Washington, DC | $742M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Peoples Bank, Biloxi, Mississippi | Biloxi, MS | $771M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| West Plains Bank and Trust Company | West Plains, MO | $768M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its five prices, against a peer median of $7.50 among 16 publishing peers.
Its five checking prices are $2, $3, $5, $10 and $10.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for United Valley Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $82K | −$9K | −9.9% |
| Q1 2026 | $91K | $0 | 0.0% |
| Q4 2025 | $91K | −$10K | −9.9% |
| Q3 2025 | $101K | +$7K | +7.4% |
| Q2 2025 | $94K | +$10K | +11.9% |
| Q1 2025 | $84K | −$5K | −5.6% |
| Q4 2024 | $89K | −$5K | −5.3% |
| Q3 2024 | $94K | +$15K | +19.0% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, United Valley Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to United Valley Bank by share.
Amounts from United Valley Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per month
per hour
per item
per item
per item
per year
per year
per year
per year
one time
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance fee per month (audience not stated, treated as personal) | $2Not compared: CD/IRA fee | per month | None |
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge (balance falls below $25) (audience not stated, treated as personal) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing and Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Undeliverable Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Continuous Overdraft | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| Replace ATM/debit card | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Cashier’s Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited checks returned unpaid | $5Below the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| 10.25” x 11″ – Mahnomen-Twin Valley | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 10.25” x 3″ – Mahnomen-Twin Valley | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 2″ x 5″ – Mahnomen | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5″ x 5″ – Mahnomen | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box drilling | $25Not compared: One-time charge, not annual | one time | None |
| Lost key replacement | $15Not compared: Box drilling or key fee | Not stated | None |
| Garnishments/Levies | $30Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Closing/Transfer Fee | $35Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where United Valley Bank operates, and what regulators and customers have on file.
Branch footprint
9 offices in 2 states, $628.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $411.8M |
| 2 | $204.8M | |
| 1 | $11.9M |
Grand Forks, ND-MN
5.3% of bank deposits, #9 of 21, up 1.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Alerus Financial, National Association | 15.1% |
| Old National Bank | 14.8% |
| Gate City Bank | 9.5% |
| U.S. Bank National Association | 7.9% |
| Frandsen Bank & Trust | 7.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Grand Forks, ND-MN, United Valley Bank holds 5.3% of bank deposits, #9 of 21, with 2 offices.
51 offices of 29 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 21 institutions shown. $3.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 5.3% share, 2 offices, #9 of 21
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
13 offices of 8 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.