Univest Bank and Trust Co.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 3.4% in Q2 2026 to -$23.4M, the biggest move on this page. Univest Bank and Trust Co. has the 4th lowest CET1 ratio of the 72 banks headquartered in Pennsylvania, at 10.76% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Univest Bank and Trust Co. sits 2.72 points lower, at 10.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.76% |
| Tier 1 risk-based capital ratio | 10.76% |
| Total risk-based capital ratio | 12.01% |
| Tier 1 leverage ratio | 9.73% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $774.1M |
| Tier 1 capital | $774.1M |
| Total risk-based capital | $864.1M |
| Total equity capital | $921.9M |
| Risk-weighted assets | $7.20B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.28% |
| Tangible equity to tangible assets | 9.32% |
| Equity capital to average assets | 11.34% |
| Internal capital growth rate | 2.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $493.8M |
| Retained earnings | $449.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.40% | 10.40% | 11.51% | 9.50% | $6.91B |
| Q4 2023 | 10.71% | 10.71% | 11.86% | 9.45% | $6.83B |
| Q1 2024 | 10.94% | 10.94% | 12.17% | 9.86% | $6.81B |
| Q2 2024 | 11.00% | 11.00% | 12.22% | 9.98% | $6.88B |
| Q3 2024 | 11.18% | 11.18% | 12.41% | 9.78% | $6.87B |
| Q4 2024 | 10.80% | 10.80% | 12.03% | 9.45% | $7.01B |
| Q1 2025 | 10.93% | 10.93% | 12.18% | 9.75% | $6.98B |
| Q2 2025 | 11.11% | 11.11% | 12.36% | 9.86% | $6.94B |
| Q3 2025 | 11.33% | 11.33% | 12.58% | 9.77% | $6.92B |
| Q4 2025 | 10.72% | 10.72% | 11.97% | 9.07% | $7.07B |
| Q1 2026 | 10.83% | 10.83% | 12.08% | 9.51% | $7.09B |
| Q2 2026 | 10.76% | 10.76% | 12.01% | 9.73% | $7.20B |
Univest Bank and Trust Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Univest Bank and Trust Co., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Univest Bank and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7759) · FFIEC NIC profile (RSSD 354310)