Universal Bank
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Data as of · sourced from FFIEC call reports. How we update
Universal Bank is an FDIC-insured savings institution headquartered in West Covina, CA, established in 1954 (FDIC certificate 30722), and it is supervised by the OCC. At Q2 2026 it reported total assets of $388.0M, up 7.5% from Q2 2025, the 86th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.80% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30722
- Headquarters
- West Covina, CA
- Established
- 1954
- Total assets, Q2 2026
- $388.0M
- Assets vs Q2 2025
- +7.5%
- Tier 1 leverage ratio, Q2 2026
- 17.80%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 322270275
- Latest call report
- Q2 2026, FFIEC 051 · Universal Bank call report
- Holding company
- UNIVERSAL FINANCIAL, INC.
- Asset rank in state
- 86th of 113 in California
Universal Bank spends more to run itself than most banks of its size. Its balance sheet stood at $388 million at June 30, 2026, up 7.5% from a year earlier; it is based in West Covina, California. It earns about $0.33 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter slipped 28% from a year earlier, to $318,000. Over the same year, loans shrank 6.7% and deposits grew 3.4%. Its margin is thin by comparison: it keeps 2.98 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Universal Bank reported a return on assets of 0.33%, a nonperforming-loan ratio of 3.74% and a Texas ratio of 14.04%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Universal Bank is the 86th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.9% to $388.0M, loans rose 1.9% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 60.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 29.6%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in CA; its West Covina office books 28% of its branch deposits. On its Q2 2026 call report, Universal Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3455 S Nogales St, West Covina, CA 91792
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 17, 1954
- Former names
- Universal Bank F.S.B. (1992-1996)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $275.1M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- -$20K
- Average total assets
- $382.1M
- Average total loans
- $257.0M
- Average interest-bearing deposits
- $249.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30722
- Fed RSSD
- 208570
- Website
- https://www.universalbank.com →
- Parent Holding Company
- UNIVERSAL FINANCIAL, INC. (RSSD 2967835)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Universal Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Universal Bank's total assets ran between $356.3M (Q4 2024) and $388.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$388.0M total assets against $360.9M; $321.2M total liabilities against $295.1M.
$258.8M net loans and leases against $277.4M; $275.1M total deposits against $266.1M.
$90.3M securities against $36.5M; $13.6M cash and balances due against $20.0M.
$4.7M total interest income against $4.6M; $2.1M total interest expense against $2.1M.
$2.7M net interest income against $2.6M.
$200K total noninterest income against $178K; $2.4M total noninterest expense against $2.5M.
$50K provision for credit losses against -$356K.
$318K net income against $444K.
0.33% return on assets against 0.49%; 2.98% net interest margin against 3.03%.
17.80% tier 1 leverage ratio against 18.30%.
Inside the full Universal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Universal Bank rankings
Its closest position to the top of a national ranking is 352 of 3,640, for Texas Ratio; its furthest is 3,380 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.02% (Q1 2025) to 0.54% (Q4 2025) and its net interest margin ran from 2.64% (Q3 2024) to 3.26% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.80% | 0.33% | 3.74% | 14.04% | 2.98% |
| Q1 2026 | 18.21% | 0.38% | 3.69% | 13.62% | 2.94% |
| Q4 2025 | 18.21% | 0.54% | 3.57% | 13.61% | 3.26% |
| Q3 2025 | 18.39% | 0.49% | 3.56% | 14.30% | 3.13% |
| Q2 2025 | 18.30% | 0.49% | 3.60% | 14.63% | 3.03% |
| Q1 2025 | 18.33% | 0.02% | 0.73% | 2.83% | 2.86% |
| Q4 2024 | 18.34% | 0.04% | 0.00% | 0.00% | 2.77% |
| Q3 2024 | 17.58% | 0.17% | 0.53% | 2.07% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Universal Bank (main office) | West Covina , CA | 91792 | $78.2M |
| Arcadia Branch | Arcadia , CA | 91006 | $68.1M |
| Eagle Rock - Branch | Los Angeles , CA | 90041 | $51.5M |
| Rosemead Branch | Rosemead , CA | 91770 | $44.2M |
| Monterey Park Branch | Monterey Park , CA | 91754 | $33.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 11 against the institution (OCC, OCC (former OTS)); 1 against individuals associated with it
- October 20, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Universal Bank
- September 17, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Universal Bank
- September 17, 2010, OCC (former OTS): Cease and Desist: Universal Bank
- September 17, 2010, OCC (former OTS): Termination of Cease and Desist: Universal Bank
- May 18, 2009, OCC (former OTS): Cease and Desist: Universal Bank
- Period: Most recent institution action October 20, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 126 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 35 applications, 29 loans originated, $42.9M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Universal Bank
What are Universal Bank's total assets?
As of the Q2 2026 filing, Universal Bank reported total assets of $388.0 million in its FFIEC call report.
Where is Universal Bank headquartered?
It is headquartered in West Covina, CA, United States.
When was Universal Bank founded?
It was established in 1954, per the FDIC institution directory.
Is Universal Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Universal Bank?
Universal Bank's primary federal regulator is the OCC.
How many branches does Universal Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Universal Bank's Texas Ratio?
Its Texas Ratio is 14.04% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Universal Bank previously called?
The charter now named Universal Bank has also operated as Universal Bank F.S.B. (1992-1996), per FDIC structure-change records.
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