Univest Bank and Trust Co.
BankRegReports is independent of Univest Bank and Trust Co. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Univest Bank and Trust Co. is an FDIC-insured commercial bank headquartered in Hilltown, PA, established in 1876 (FDIC certificate 7759), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $8.17B, up 3.2% from Q2 2025, the 11th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 10.76% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 7759
- Headquarters
- Hilltown, PA
- Established
- 1876
- Total assets, Q2 2026
- $8.17B
- Assets vs Q2 2025
- +3.2%
- CET1 ratio, Q2 2026
- 10.76%
- Domestic offices
- 51 FDIC institution directory, current count
- Routing number
- 031913438
- Latest call report
- Q2 2026, FFIEC 041 · Univest Bank and Trust Co. call report
- Holding company
- UNIVEST FINANCIAL CORPORATION
- Asset rank in state
- 11th of 109 in Pennsylvania
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%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Univest Bank and Trust Co. is the 11th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $8.17B, loans rose 1.4% and deposits rose 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 24.2% of total loans, followed by non-owner-occupied commercial real estate loans at 22.0%. The FDIC Summary of Deposits lists 51 offices for it, in 40 cities across 3 states; its Souderton 4 offices book 35% of its branch deposits. Judged on its Q2 2026 call report, Univest Bank and Trust Co. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 51 FDIC institution directory, current count
- 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
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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Univest Bank and Trust Co.'s total assets ran between $7.73B (Q1 2024) and $8.54B (Q3 2025), 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
$8.17B total assets against $7.91B; $7.25B total liabilities against $7.00B.
$6.97B net loans and leases against $6.73B; $7.04B total deposits against $6.72B.
$492.5M securities against $496.7M; $195.3M cash and balances due against $160.4M.
$108.0M total interest income against $105.7M; $40.1M total interest expense against $43.9M.
$67.9M net interest income against $61.8M.
$18.9M total noninterest income against $22.1M; $52.5M total noninterest expense against $48.8M.
$2.7M provision for credit losses against $5.7M.
$25.3M net income against $23.4M.
1.24% return on assets against 1.17%; 3.57% net interest margin against 3.31%.
10.76% CET1 capital ratio against 11.11%; 9.73% tier 1 leverage ratio against 9.86%.
Inside the full Univest Bank and Trust Co. 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.
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
Its closest position to the top of a national ranking is 193 of 4,196, for total assets; its furthest is 2,008 of 2,134, for CET1 ratio.
Metric pages for Univest Bank and Trust Co.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.99% (Q3 2024) to 1.39% (Q3 2025) and its net interest margin ran from 2.96% (Q3 2024) to 3.57% (Q2 2026).
| 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
View all 51 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- 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 145 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).
- 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
Add this badge to your website
Free to use. It shows Univest Bank and Trust Co.’s latest filed figures and updates each quarter.
Similar banks
Compare Univest Bank and Trust Co. with peers
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.
Where is Univest Bank and Trust Co. headquartered?
It is headquartered in Hilltown, PA, United States.
When was Univest Bank and Trust Co. founded?
It was established in 1876, per the FDIC institution directory.
Is Univest Bank and Trust Co. FDIC-insured?
Yes. It 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.
What is Univest Bank and Trust Co.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 6.96% 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 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.
Go deeper on Univest Bank and Trust Co.
Get an email when Univest Bank and Trust Co. files its next call report, and benchmark it against any peer you choose.
Unlock Univest Bank and Trust Co., freeFree account