Univest Bank and Trust Co.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 122.61 percentage points lower than in Q1 2026, at 139.12%. Univest Bank and Trust Co. ranks 40th of 109 Pennsylvania banks on return on assets, in the upper half at 1.24% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets; Univest Bank and Trust Co. reported 1.24% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.76% |
| Tier 1 risk-based capital ratio | 10.76% |
| Total risk-based capital ratio | 12.01% |
| Tier 1 leverage ratio | 9.73% |
| Equity capital to assets | 11.28% |
| Tangible equity to tangible assets | 9.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.92% |
| Non-performing assets ratio | 1.02% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 10.04% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 139.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.24% |
| Return on equity | 10.99% |
| Net interest margin | 3.57% |
| Efficiency ratio | 59.89% |
| Yield on earning assets | 5.66% |
| Cost of funds | 2.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.24% |
| Core deposits to total deposits | 86.62% |
| Brokered deposits to total deposits | 8.22% |
| Deposits to assets | 86.16% |
| Securities to assets | 6.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.40% | 10.40% | 11.51% | 9.50% | 0.99% |
| Q4 2023 | 10.71% | 10.71% | 11.86% | 9.45% | 0.95% |
| Q1 2024 | 10.94% | 10.94% | 12.17% | 9.86% | 1.22% |
| Q2 2024 | 11.00% | 11.00% | 12.22% | 9.98% | 1.07% |
| Q3 2024 | 11.18% | 11.18% | 12.41% | 9.78% | 0.99% |
| Q4 2024 | 10.80% | 10.80% | 12.03% | 9.45% | 1.06% |
| Q1 2025 | 10.93% | 10.93% | 12.18% | 9.75% | 1.23% |
| Q2 2025 | 11.11% | 11.11% | 12.36% | 9.86% | 1.17% |
| Q3 2025 | 11.33% | 11.33% | 12.58% | 9.77% | 1.39% |
| Q4 2025 | 10.72% | 10.72% | 11.97% | 9.07% | 1.26% |
| Q1 2026 | 10.83% | 10.83% | 12.08% | 9.51% | 1.33% |
| Q2 2026 | 10.76% | 10.76% | 12.01% | 9.73% | 1.24% |
Univest Bank and Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Univest Bank and Trust Co., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)