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Univest Bank And Trust Co.
Souderton, PA · FDIC Certificate #7759 · Chartered 04/0
Total assets
$8.17B
Total deposits
$7.04B
Total equity
$921.87M
Net loans
$6.97B
Branches (offices)
51
Net income (YTD)
$52.71M
Rank: #197 of 4,213 U.S. banks by assets · #11 of 109 in Pennsylvania. Assets changed 3.2% and deposits 4.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 11.52% |
| Net interest margin (YTD) | 3.48% |
| Equity to assets | 11.28% |
| Tier 1 leverage ratio | 9.73% |
| Uninsured deposits (share of deposits) | 45.1% |
| Noncurrent loans (share of loans) | 0.62% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 99.0% |
| Real estate loans (share of loans) | 80.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $5.63B | 80.9% | |
| Commercial & industrial | $970.35M | 13.9% | |
| Consumer / individual | $12.26M | 0.2% | |
| Construction & development | $326.79M | 4.7% | |
| Agricultural | $27.14M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $6.69B | $5.65B | $36.58M | $764.35M |
| Jun 2023 | $7.58B | $6.11B | $42.12M | $822.38M |
| Jun 2024 | $7.84B | $6.60B | $44.26M | $881.78M |
| Jun 2025 | $7.91B | $6.72B | $47.92M | $914.01M |
| Jun 2026 | $8.17B | $7.04B | $52.71M | $921.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $6.92B | 48 |
| New Jersey | $68.25M | 1 |
| Maryland | $53.09M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $7.04B.
Similar-sized banks
Poppy Bank ($8.32B) · Peapack Private Bank & Trust ($7.96B)
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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