Univest Bank and Trust Co.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Univest Bank and Trust Co. operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $8.2 billion at June 30, 2026, up 3.2% from a year earlier; it is based in Hilltown, Pennsylvania. It holds common equity equal to 10.76% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also holds about half of its deposits (45%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
The commercial and industrial book ($970 million) is worsening: 3.17% of it is past due or on nonaccrual, up from 0.72% a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.55% of loans from 0.39% a year earlier.
As of June 30, 2026, Univest Bank and Trust Co. reported a CET1 capital ratio of 10.76%, a return on assets of 1.24%, a nonperforming-loan ratio of 0.62% and a Texas ratio of 6.96%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 790 Route 113, Hilltown, PA 18964
- County
- Bucks
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 1, 1876
- Former names
- Univest National Bank and Trust Co. (2003-2011)
- Offices
- 51 domestic
- Employees (FTE)
- 869
- Domestic deposits
- $7.04B
- Allowance for credit losses
- $90.0M
- Net charge-offs (YTD)
- $3.2M
- Average total assets
- $8.13B
- Average total loans
- $6.77B
- Average interest-bearing deposits
- $5.42B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7759
- Fed RSSD
- 354310
- SEC CIK
- 102212 → filed by UNIVEST FINANCIAL CORPORATION
- Website
- http://www.univest.net →
- Parent Holding Company
- UNIVEST FINANCIAL CORPORATION (RSSD 1116609) · UVSP
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jeffrey M Schweitzer | CEO | Chairman, President & CEO |
| Brian J Richardson | CFO | Sr EVP & CFO |
| Michael S Keim | COO | Senior EVP & COO |
| Megan D Santana | CRO | Sr EVP & Chief Risk Officer |
| Eleni S Monios | CCO | EVP & Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Univest Bank and Trust Co. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Univest Bank and Trust Co., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Univest Bank and Trust Co. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Univest Bank and Trust Co.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.76% | 1.24% | 0.62% | 6.96% | 3.57% |
| Q1 2026 | 10.83% | 1.33% | 0.31% | 4.87% | 3.37% |
| Q4 2025 | 10.72% | 1.26% | 0.20% | 3.96% | 3.24% |
| Q3 2025 | 11.33% | 1.39% | 0.41% | 5.89% | 3.33% |
| Q2 2025 | 11.11% | 1.17% | 0.41% | 5.96% | 3.31% |
| Q1 2025 | 10.93% | 1.23% | 0.17% | 3.98% | 3.16% |
| Q4 2024 | 10.80% | 1.06% | 0.19% | 4.00% | 3.02% |
| Q3 2024 | 11.18% | 0.99% | 0.23% | 4.33% | 2.96% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 51 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Souderton Branch | Souderton , PA | 18964 | $1.76B |
| Warminster Branch | Warminster , PA | 18974 | $551.6M |
| Univest Bank and Trust Co. (main office) | Souderton , PA | 18964 | $371.9M |
| Www.Univest.Net Branch | Souderton , PA | 18964 | $365.8M |
| Lansdale Area Branch | Hatfield , PA | 19440 | $356.7M |
| Franconia Branch | Telford , PA | 18969 | $254.2M |
| Vernfield Branch | Harleysville , PA | 19438 | $239.0M |
| Willow Street Branch | Willow Street , PA | 17584 | $205.1M |
| Blue Bell Branch | Blue Bell , PA | 19422 | $190.7M |
| Philadelphia Branch | Philadelphia , PA | 19111 | $185.4M |
| Mount Airy Branch | Philadelphia , PA | 19119 | $183.4M |
| Milford Branch | Milford Square , PA | 18935 | $179.6M |
| Collegeville Branch | Collegeville , PA | 19426 | $175.8M |
| Line Lexington Branch | Colmar , PA | 18915 | $155.1M |
| Lahaska Branch | Lahaska , PA | 18931 | $143.4M |
| Montgomery Branch | Montgomeryville , PA | 18936 | $142.8M |
| West Chester Branch | West Chester , PA | 19380 | $141.4M |
| Richboro Branch | Richboro , PA | 18954 | $139.3M |
| Doylestown Branch | Doylestown , PA | 18901 | $127.7M |
| East Greenville Branch | East Greenville , PA | 18041 | $121.4M |
| Skippack Office Branch | Schwenksville , PA | 19473 | $114.5M |
| New Holland Branch | New Holland , PA | 17557 | $110.5M |
| Intercourse Branch | Gordonville , PA | 17529 | $102.4M |
| Suburban Community Bank Branch | Chalfont , PA | 18914 | $79.9M |
| Cranberry Branch | Cranberry , PA | 16066 | $78.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2016 | M&A | Acquired Fox Chase Bank merger for the acquired bank | SEC |
| July 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2016 | Structure Change | Acquired Fox Chase Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2015 | M&A | Acquired Valley Green Bank merger for the acquired bank | SEC |
| January 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2015 | Structure Change | Acquired Valley Green Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 4, 2003 | M&A | Acquired Suburban Community Bank merger for the acquired bank | SEC |
| October 4, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 4, 2003 | Structure Change | Acquired Suburban Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2003 | M&A | Acquired First County Bank merger for the acquired bank | SEC |
| May 17, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 17, 2003 | Structure Change | Acquired First County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 18, 2003 | M&A | Acquired Pennview Savings Bank merger for the acquired bank | SEC |
| January 18, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 18, 2003 | Structure Change | Acquired Pennview Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1966 | M&A | Acquired Peoples National Bank of Souderton merger for the acquired bank | SEC |
| September 1, 1966 | Structure Change | Acquired Peoples National Bank of Souderton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1962 | M&A | Acquired National Bank and Trust Company of Schwenksville merger for the acquired bank | SEC |
| August 1, 1962 | Structure Change | Acquired National Bank and Trust Company of Schwenksville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 19 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Univest Bank and Trust Co., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action March 17, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in PA, rank 20 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,316 applications, 1,647 loans originated, $496.8M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 63 loans, $40.6M approved, $644K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Univest Bank and Trust Co.
What are Univest Bank and Trust Co.'s total assets?
As of the Q2 2026 filing, Univest Bank and Trust Co. reported total assets of $8.17 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Univest Bank and Trust Co. headquartered?
Univest Bank and Trust Co. is headquartered in Hilltown, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Univest Bank and Trust Co. founded?
Univest Bank and Trust Co. was established in 1876, per the FDIC institution directory.
Is Univest Bank and Trust Co. FDIC-insured?
Yes. Univest Bank and Trust Co. is an FDIC-insured commercial bank (FDIC Certificate #7759). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Univest Bank and Trust Co.?
Univest Bank and Trust Co.'s primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Univest Bank and Trust Co.'s CET1 capital ratio?
Univest Bank and Trust Co. reported a Common Equity Tier 1 (CET1) capital ratio of 10.76% in its Q2 2026 call report, above regulatory requirements.
How many branches does Univest Bank and Trust Co. operate?
Univest Bank and Trust Co. operates 51 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Univest Bank and Trust Co.'s Texas Ratio?
Univest Bank and Trust Co.'s Texas Ratio is 6.96% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Univest Bank and Trust Co. previously called?
The charter now named Univest Bank and Trust Co. has also operated as Univest National Bank and Trust Co. (2003-2011), per FDIC structure-change records.
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