Univest Bank and Trust Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Univest Bank and Trust Co. of Hilltown, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.24% | 1.44% | -0.20% | 47th below |
| ROAE | 10.99% | 12.51% | -1.52% | 41st below |
| Net Interest Margin | 3.57% | 3.84% | -0.27% | 40th below |
| Efficiency Ratio | 59.89% | 58.87% | +1.02% | 45th below |
| PPNR / Avg Assets | 1.69% | 1.78% | -0.09% | 48th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.71% | -0.05% | 58th above |
| Cost of Funds | 2.24% | 2.03% | +0.21% | 34th below |
| Net Interest Spread | 2.78% | 3.18% | -0.40% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.92% | 0.96% | -0.04% | 35th below |
| NPA / Total Assets | 1.02% | 0.75% | +0.27% | 24th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.31% | -0.20% | 27th below |
| ACL / Total Loans | 1.28% | 1.25% | +0.03% | 67th above |
| ACL / NPLs (Coverage) | 139.12% | 699.46% | -560.34% | 41st below |
| Texas Ratio | 10.04% | 7.16% | +2.88% | 24th bottom |
| Provision / NCO | 156.40% | 815.40% | -659.00% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.76% | 17.42% | -6.66% | 6th bottom |
| Tier 1 Ratio | 10.76% | 17.45% | -6.69% | 6th bottom |
| Total Capital Ratio | 12.01% | 18.51% | -6.50% | 9th bottom |
| Leverage Ratio | 9.73% | 11.60% | -1.87% | 30th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.28% | 11.33% | -0.05% | 64th above |
| TCE / Tangible Assets | 9.32% | 10.65% | -1.33% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.24% | 86.34% | +13.90% | 17th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.62% | 85.56% | +1.06% | 39th below |
| Uninsured Deposit Ratio | 45.12% | 32.69% | +12.43% | 17th bottom |
| Wholesale Funding Ratio | 1.76% | 5.46% | -3.70% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.21% | 10.46% | -7.25% | 36th below |
| Loan Growth (Y/Y) | 3.46% | 8.00% | -4.54% | 38th below |
| Deposit Growth (Y/Y) | 4.73% | 7.98% | -3.25% | 49th below |
See Univest Bank and Trust Co.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Univest Bank and Trust Co., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Univest Bank and Trust Co. profile, how to read a UBPR, or how this data updates.