Univest Bank and Trust Co.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 2.93 percentage points higher than in Q1 2026, at 37.82%. Univest Bank and Trust Co. ranks 19th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 100.24% (Q2 2026). 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.06B |
| Net loans and leases | $6.97B |
| Loans held for sale | $13.2M |
| Loans to total assets | 86.37% |
| Loan-to-deposit ratio | 100.24% |
| Net loans to equity capital | 7.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.42% |
| Multifamily (5+ residential) | 5.60% |
| Commercial and industrial | 13.75% |
| Consumer | 0.17% |
| Credit cards | 0.00% |
| Farm | 10.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 265.95% |
| Construction concentration (Tier 1 capital + allowance) | 37.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $98.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $6.59B | $6.56B | 34.70% | 14.64% | 0.41% |
| Q4 2023 | $6.58B | $6.49B | 35.01% | 13.76% | 0.42% |
| Q1 2024 | $6.59B | $6.51B | 34.80% | 14.10% | 0.41% |
| Q2 2024 | $6.71B | $6.60B | 34.68% | 14.52% | 0.39% |
| Q3 2024 | $6.75B | $6.96B | 35.39% | 14.18% | 0.40% |
| Q4 2024 | $6.84B | $6.89B | 35.73% | 13.86% | 0.31% |
| Q1 2025 | $6.85B | $6.79B | 35.73% | 13.77% | 0.25% |
| Q2 2025 | $6.82B | $6.72B | 35.08% | 14.07% | 0.21% |
| Q3 2025 | $6.79B | $7.33B | 35.75% | 13.24% | 0.20% |
| Q4 2025 | $6.93B | $7.20B | 36.00% | 13.34% | 0.18% |
| Q1 2026 | $6.95B | $6.92B | 36.06% | 13.35% | 0.18% |
| Q2 2026 | $7.06B | $7.04B | 35.42% | 13.75% | 0.17% |
Univest Bank and Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Univest Bank and Trust Co., freeSource: Call Report Schedule RC-C, 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)