Bank routing number ยท West Covina, California
Universal Bank Routing Number (ABA): 322270275
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The Universal Bank routing number is 322270275. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
Universal Bank at a glance
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.
- Total assets, Q2 2026
- $388.0M
- Tier 1 leverage ratio, Q2 2026
- 17.80%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Domestic offices
- 5 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1954
Full financial profile · Is Universal Bank safe? · Universal Bank call report · Branch locations
Universal Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 322270275 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Universal Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 32, place this number in the Federal Reserve Bank of San Francisco's district (District 12): prefixes 21 to 32 are the district numbers assigned to thrift institutions. Digits five through eight, 7027, identify the institution within that district. The last digit, 5, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Universal Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Universal Bank checks or in its online banking. Ask the bank for wire instructions (https://www.universalbank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Universal Bank
Universal Bank is headquartered in West Covina, California and was established in 1954. It is in the LOS ANGELES-LONG BEACH-ANAHEIM, CA metro area. It reported $388.0M in total assets and $275.1M in deposits for Q2 2026, the 86th largest of the 113 banks headquartered in California. It reports 5 domestic offices. Its deposits have been FDIC insured since 1989. Its primary federal regulator is the OCC.
What the digits in 322270275 mean
The first four digits, 3222, are the Federal Reserve routing symbol. The prefix 32 places the number in the 12th Federal Reserve District (San Francisco), a range the ABA plan set aside for thrift institutions. That is also the district where the bank is headquartered. Digits five through eight, 7027, identify the institution within its Federal Reserve district. The last digit, 5, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 7 + 7 x 16 + 7 = 140, a multiple of 10, so 322270275 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Universal Bank routing number?
The Universal Bank routing number is 322270275. It is the primary ABA routing transit number registered to Universal Bank, headquartered in West Covina, CA. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Universal Bank wire routing number?
This page lists the primary routing number registered to Universal Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Universal Bank before sending a wire.
Is ABA number 322270275 the routing number for Universal Bank?
Yes. It is the primary routing number registered to Universal Bank.
Which bank uses routing number 322270275?
It belongs to Universal Bank, headquartered in West Covina, CA. It is the bank's primary ABA routing number (FDIC certificate 30722).
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Regulator records: FDIC BankFind (cert 30722) · FFIEC NIC profile (RSSD 208570)