United Valley Bank

United Valley Bank is a community commercial bank headquartered in Fargo, ND, with branches across northern North Dakota and northwestern Minnesota — including Grand Forks, Cavalier, Hallock, Crookston, and communities along the border region. The bank focuses on business and agricultural lending, offering lines of credit, term loans, commercial real estate financing, construction finance, and equipment finance. Its agricultural specialty appears well suited to the farming-heavy communities it serves. As a community bank, United Valley likely takes a relationship-driven approach to underwriting — a good fit if your business doesn't check every box a larger lender might require. Qualification criteria aren't listed publicly, so plan to reach out directly.