Univest Bank and Trust Co.
Univest Bank and Trust Co. reported total assets of $8.2 bn at Q2 2026, up 3.2% on a year earlier, the 195th largest of 497 banks in our US coverage. The CET1 capital ratio at Univest Bank and Trust Co. was 10.76%, and the uninsured share of Univest Bank and Trust Co. was 45.12%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Univest Bank and Trust Co. slipped from 195th to 256th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Univest Bank and Trust Co. reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 10.76% at , where the median of the 287 banks is 13.22% (FDIC Call Reports).
- Since , Univest Bank and Trust Co. has taken over one institution; the latest was Fox Chase Bank on (FDIC Call Reports).
What sets Univest Bank and Trust Co. apart
How large is Univest Bank and Trust Co.?
The balance sheet of Univest Bank and Trust Co. at : assets $8.2 bn, deposits $7.0 bn, net loans $7.0 bn (loans equal to 98.97% of deposits). Securities make up 6.0% of total assets at Univest Bank and Trust Co.. Since , when Univest Bank and Trust Co. held $2.8 bn, its assets grew 191.6%. In the year to , deposits at Univest Bank and Trust Co. rose 4.7% while its total assets rose 3.2%. At , Univest Bank and Trust Co. employed 869 full-time equivalent staff across 51 offices, about $9.4 mn of assets per employee and $138.0 mn of deposits per office.
How much funding at Univest Bank and Trust Co. is uninsured?
At Univest Bank and Trust Co., uninsured deposits (above the FDIC limit) made up 45.12% of domestic deposits at (-0.29 pp on a year earlier); Univest Bank and Trust Co. ranks 137th of 500 on this measure. In dollars, Univest Bank and Trust Co. estimated $3.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $7.0 bn | +4.7% | 186th of 499 |
| Net loans and leases | $7.0 bn | +3.5% | 160th of 500 |
| Loan-to-deposit ratio | 98.97% | -1.21 pp | 69th of 500 |
| Tier 1 leverage ratio | 9.73% | -0.13 pp | 340th of 500 |
| Total risk-based capital ratio | 12.01% | -0.35 pp | 414th of 448 |
| Net interest margin | 3.48% | +0.21 pp | 303rd of 500 |
| Return on assets (ROA) | 1.28% | +0.08 pp | 263rd of 500 |
| Efficiency ratio | 60.13% | +1.17 pp | 333rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $13.7 mn | Narrowed by $1.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $29.6 mn | Narrowed by $4.6 mn | |
| Noncurrent loans to total loans | 0.62% | +0.21 pp | 256th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.09% | -0.19 pp | 258th of 500 (1 = lowest) |
US rank of Univest Bank and Trust Co.: 1 = highest unless marked 1 = lowest.
Balance sheet
Univest Bank and Trust Co.: assets, deposits and loans
- Total assets $8.2bn
- Deposits $7.0bn
- Net loans $7.0bn
Capital and securities
The CET1 ratio of Univest Bank and Trust Co. stood at 10.76% in , -0.35 pp year on year. Low and high at Univest Bank and Trust Co. since : 10.31% () to 11.44% (). Equity capital of Univest Bank and Trust Co. at : $921.9 mn, or 11.3% of total assets. Univest Bank and Trust Co. also reported a total capital ratio of 12.01% for , and a tier 1 leverage ratio of 9.73%.
On held-to-maturity securities, Univest Bank and Trust Co. carried an unrealized loss of $13.7 mn at , equal to 1.5% of equity capital. The loss narrowed by $1.6 mn over the year. Its deepest point: $25.7 mn in . The available-for-sale portfolio of Univest Bank and Trust Co. showed an unrealized loss of $29.6 mn at ; the loss narrowed by $4.6 mn over the year.
Univest Bank and Trust Co.: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.7%
Univest Bank and Trust Co.: unrealized securities gains and losses
- Available for sale -$30mn
- Held to maturity -$14mn
Profitability and loan quality
For the year to , Univest Bank and Trust Co. earned a return on equity of 11.52%; return on assets: 1.28%. Net interest margin at Univest Bank and Trust Co.: 3.48%, +0.21 pp in a year. Univest Bank and Trust Co. net income: $52.7 mn, up 10.0% year on year. The efficiency ratio of Univest Bank and Trust Co. was 60.13%: about 60 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.62% of total loans at Univest Bank and Trust Co.; net charge-offs: 0.09% of average loans. Gross loans and leases at Univest Bank and Trust Co.: $7.1 bn, up 3.5% in a year.
Univest Bank and Trust Co.: profitability
- Return on equity 12%
- Net interest margin 3.5%
- Return on assets 1.3%
Peer group of Univest Bank and Trust Co.
The peer group of Univest Bank and Trust Co. is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Univest Bank and Trust Co. (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Pennsylvania. Against them, Univest Bank and Trust Co. shows CET1 ratio 10.76% against a peer median of 12.82%, return on equity 11.52% against a peer median of 11.33% and uninsured deposit share 45.12% against a peer median of 33.34%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| CNB Bank | State member bank | PA | $8.4 bn | 13.09% | 12.34% | 28.83% | |
| BankPlus | State member bank | MS | $8.4 bn | not reported | 11.23% | 18.52% | |
| Poppy Bank | State nonmember bank | CA | $8.3 bn | 12.82% | 14.33% | 30.25% | |
| Univest Bank and Trust Co. | State member bank | PA | $8.2 bn | 10.76% | 11.52% | 45.12% | |
| Peapack Private Bank & Trust | State member bank | NJ | $8.0 bn | 10.60% | 9.18% | 36.44% | |
| Hanmi Bank | State nonmember bank | CA | $8.0 bn | 13.40% | 11.38% | 44.76% | |
| Bankers Trust Company | State nonmember bank | IA | $7.8 bn | 10.95% | 11.28% | 57.36% | |
. FDIC Call Reports.
Last eight quarters
Two years at Univest Bank and Trust Co., to : assets -0.2%, deposits +1.1%, equity +1.8%. Staff 849 to 869.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $8.2 bn | $8.1 bn | $8.0 bn | $7.9 bn | $8.5 bn | $8.4 bn | $8.1 bn | $8.2 bn |
| Total deposits | $7.0 bn | $6.9 bn | $6.8 bn | $6.7 bn | $7.3 bn | $7.2 bn | $6.9 bn | $7.0 bn |
| Bank equity capital | $905.7 mn | $887.2 mn | $903.6 mn | $914.0 mn | $930.6 mn | $907.1 mn | $916.6 mn | $921.9 mn |
| CET1 ratio | 11.18% | 10.80% | 10.93% | 11.11% | 11.33% | 10.72% | 10.83% | 10.76% |
| Return on equity (ROE) | 9.73% | 9.75% | 10.95% | 10.63% | 11.22% | 11.37% | 12.04% | 11.52% |
| Uninsured share of domestic deposits | 47.52% | 47.07% | 45.41% | 45.41% | 48.80% | 47.52% | 46.19% | 45.12% |
| Full-time equivalent employees | 849 | 838 | 830 | 849 | 845 | 841 | 851 | 869 |
| Number of offices | 51 | 51 | 51 | 51 | 51 | 51 | 51 | 51 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Univest Bank and Trust Co., oldest first; figures before and after each event are not like for like.
- . Absorbed Fox Chase Bank (FDIC certificate 28888).
Large one-quarter moves at Univest Bank and Trust Co.
- Total assets at Univest Bank and Trust Co. changed by +37.7% in the quarter to 2016-09-30: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Fox Chase Bank.
Questions and identifiers
What were the total assets of Univest Bank and Trust Co.?
Univest Bank and Trust Co. reported $8.2 bn at in its Call Report. That makes Univest Bank and Trust Co. the 195th largest of 497 banks in our US coverage.
Is Univest Bank and Trust Co. the same as its holding company?
No. This page covers Univest Bank and Trust Co., FDIC certificate 7759; UNIVEST FINANCIAL Corp, its holding company, reports separately to the Federal Reserve.
Is Univest Bank and Trust Co. profitable?
Univest Bank and Trust Co. reported net income of $52.7 mn for the year to ; annualized return on equity: 11.52%. So yes: Univest Bank and Trust Co. made a profit over these months.
When is data for Univest Bank and Trust Co. next updated?
Figures from Univest Bank and Trust Co. for are due after .
Where can I check the figures for Univest Bank and Trust Co.?
In the FDIC BankFind Suite record for certificate 7759, and in the Call Reports of Univest Bank and Trust Co. (RSSD ID 354310) at the FFIEC Central Data Repository.