Univest Bank and Trust Co.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 3.04 percentage points lower than in Q1 2026, at 86.62%. Within Pennsylvania, Univest Bank and Trust Co. is 19th of 109 on loan-to-deposit ratio, 100.24% as of Q2 2026, above the middle of the field. Univest Bank and Trust Co. reported 100.24% on loan-to-deposit ratio for Q2 2026, 12.04 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $195.3M |
| Cash and noninterest-bearing balances to assets | 2.39% |
| Cash and securities | $687.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $18.8M |
| Other borrowed money | $125.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.24% |
| Net loans and leases to deposits | 98.97% |
| Loans and leases to core deposits | 105.69% |
| Core deposits to total deposits | 86.62% |
| Brokered deposits to total deposits | 8.22% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 100.52% | 91.32% | $14.7M | $320.0M |
| Q4 2023 | 101.32% | 91.47% | $6.3M | $310.0M |
| Q1 2024 | 101.24% | 88.87% | $4.8M | $250.0M |
| Q2 2024 | 101.66% | 89.01% | $11.8M | $250.0M |
| Q3 2024 | 96.92% | 89.70% | $8.3M | $225.0M |
| Q4 2024 | 99.29% | 90.44% | $11.2M | $225.0M |
| Q1 2025 | 100.88% | 88.57% | $4.0M | $175.0M |
| Q2 2025 | 101.47% | 89.11% | $6.3M | $200.0M |
| Q3 2025 | 92.65% | 89.80% | $12.0M | $200.0M |
| Q4 2025 | 96.25% | 89.70% | $24.4M | $200.0M |
| Q1 2026 | 100.47% | 89.66% | $26.2M | $175.0M |
| Q2 2026 | 100.24% | 86.62% | $18.8M | $125.0M |
Univest Bank and Trust Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Univest Bank and Trust Co., freeSource: Call Report Schedules RC and RC-M, 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)