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Universal Bank
West Covina, CA · FDIC Certificate #30722 · Chartered 11/1
Total assets
$388.01M
Total deposits
$275.10M
Total equity
$66.78M
Net loans
$258.76M
Branches (offices)
5
Net income (YTD)
$672.00K
Rank: #2,106 of 4,213 U.S. banks by assets · #87 of 115 in California. Assets changed 7.5% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.36% |
| Return on equity | 2.01% |
| Net interest margin (YTD) | 3.00% |
| Equity to assets | 17.21% |
| Tier 1 leverage ratio | 17.80% |
| Uninsured deposits (share of deposits) | 13.7% |
| Noncurrent loans (share of loans) | 3.74% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 94.1% |
| Real estate loans (share of loans) | 100.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $258.93M | 100.1% | |
| Commercial & industrial | $2.65M | 1.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $350.92M | $246.24M | $321.00K | $62.55M |
| Jun 2023 | $341.04M | $216.72M | $377.00K | $63.52M |
| Jun 2024 | $384.22M | $268.17M | $1.10M | $65.61M |
| Jun 2025 | $360.95M | $266.10M | $460.00K | $65.84M |
| Jun 2026 | $388.01M | $275.10M | $672.00K | $66.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $275.10M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $275.10M.
Similar-sized banks
First National Bank & Trust Company ($388.11M) · Fox Valley Savings Bank ($387.33M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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