Univest Bank and Trust Co.

10 West Broad Street
Souderton, PA 18964

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 7759
Date Established 1876
Assets $4.96 billion
Loans $3.98 billion
Deposits $3.96 billion
Capital $0.64 billion

Univest Bank and Trust Co. is an FDIC insured institution located in Souderton, PA. It was founded in 1876 and has approximately $4.96 billion in assets. Customers can open an account at one of its 60 branches.

For a more detailed analysis of Univest Bank and Trust Co.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Univest Bank and Trust Co.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Pennsylvania, Univest Bank and Trust Co. has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.41
Multifamily
Mortgages
2.93
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 6.30
Construction and Development Loans 5.14
Commercial Real Estate 31.71
Commercial and Industrial Loans 20.21
Farm Loans 0.37

Deposit Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $24,999 Learn MoreShow Less
Money Market
0.05% $25,000 $39,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $500 - Learn MoreShow Less
6 Mo CD
0.10% $500 - Learn MoreShow Less
Special: 7 Mo CD
1.60% $500 - Learn MoreShow Less
12 Mo CD
0.45% $500 - Learn MoreShow Less
Special: 13 Mo CD
2.00% $500 - Learn MoreShow Less
18 Mo CD
0.55% $500 - Learn MoreShow Less
24 Mo CD
0.75% $500 - Learn MoreShow Less
Special: 25 Mo CD
2.25% $500 - Learn MoreShow Less
30 Mo CD
0.85% $500 - Learn MoreShow Less
36 Mo CD
1.10% $500 - Learn MoreShow Less
48 Mo CD
1.15% $500 - Learn MoreShow Less
Special: 59 Mo CD
2.75% $500 - Learn MoreShow Less
60 Mo CD
1.25% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.45% $500 - Learn MoreShow Less
Special: 7 Mo FIRA
1.60% $500 - Learn MoreShow Less
Special: 13 Mo FIRA
2.00% $500 - Learn MoreShow Less
Special: 25 Mo FIRA
2.25% $500 - Learn MoreShow Less
Special: 59 Mo FIRA
2.75% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.35% $5 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Univest Bank and Trust Co. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Univest Bank and Trust Co. Locations


Financial Details

Univest Bank and Trust Co. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Univest Bank and Trust Co.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Univest Bank and Trust Co. U.S. Bank Average
4.23% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Univest Bank and Trust Co. had $27,095,000 in non-current loans and $1,187,000 in owned real estate. To cover these potential losses it had $638,500,000 in equity and $29,364,000 in loans loss reserves. That gives it a Texas Ratio of 4.23%.

Return on Equity
Univest Bank and Trust Co. U.S. Bank Average
8.79% 8.80%

Univest Bank and Trust Co. has a Return on Equity of 8.79% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Univest Bank and Trust Co. U.S. Bank Average
12.86% 12.29%

Univest Bank and Trust Co. has a Capitalization of 12.86% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Univest Bank and Trust Co. Balance Sheet Analysis

As of December 31, 2018, Univest Bank and Trust Co. had assets of $4,964,938,000, loans of $3,978,964,000, and deposits of $3,964,829,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.11 billion
Interest-bearing balances $0.05 billion
Total securities $0.47 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $3.98 billion
Loan loss allowance $0.03 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.18 billion
All other assets $0.16 billion
     Total Assets $4.33 billion
LIABILITIES
Total deposits $3.96 billion
      Interest-bearing deposits $3.77 billion
      Deposits held in domestic offices $3.96 billion
      % insured (estimated) 55.37%
Federal funds purchased and repurchase agreements $0.10 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.23 billion
Subordinated debt $0.00 billion
All other liabilities $0.03 billion
      Total Liabilities $4.33 billion
      Shareholders’ Equity $0.64 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.19 billion
Total Interest Expense $0.03 billion
Net interest income $0.16 billion
Provision for loan and lease losses $0.02 billion
Total non interest income $0.06 billion
Total non interest expense $0.14 billion
Pre-tax Net Operating Income $0.07 billion

Frequently Asked Questions About Univest Bank And Trust Co.

Branches and Savings

Is Univest Bank And Trust Co. FDIC insured?

Yes. It is covered under FDIC Certificate #7759.

Why does Univest Bank And Trust Co. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Univest Bank And Trust Co. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Univest Bank And Trust Co. a commercial bank?

Yes

Where are Univest Bank And Trust Co. locations?

See branch locations nearby.

Is Univest Bank And Trust Co. open on Saturdays?

Is Univest Bank And Trust Co. open on Sundays?

What time does Univest Bank And Trust Co. open?

What time does Univest Bank And Trust Co. close?

Are Univest Bank And Trust Co. ATMs Open 24/7?

Do Univest Bank And Trust Co. ATMs accept cash deposits?

Can Univest Bank And Trust Co. customers use other ATMs?

Do Univest Bank And Trust Co. branches have notaries?

Will Univest Bank And Trust Co. notarize my document?

What address for Univest Bank And Trust Co. should I put for incoming ACH transfers?

Will the Univest Bank And Trust Co. branch print checks?

Do Univest Bank And Trust Co. checks expire?

Does Univest Bank And Trust Co. require US citizenship to open account?

Can Univest Bank And Trust Co. close my account?

Does Univest Bank And Trust Co. Report to credit bureaus?

Does Univest Bank And Trust Co. Use Equifax?

What is Univest Bank And Trust Co.'s ACH Routing Number?

What is Univest Bank And Trust Co.'s SWIFT code?

Products

Does Univest Bank And Trust Co. offer mortgages?

Compare mortgage rates here.

Does Univest Bank And Trust Co. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Univest Bank And Trust Co. offer personal loans?

Compare personal loan rates here.

Does Univest Bank And Trust Co. offer student loans?

Will Univest Bank And Trust Co. cash a check?

Will Univest Bank And Trust Co. redeem a savings bond?

Does Univest Bank And Trust Co. cash savings bonds?

Will Univest Bank And Trust Co. cash money orders?

Can Univest Bank And Trust Co. issue a money order?

Does Univest Bank And Trust Co. do currency exchange?

Background on The Bank

Who owns Univest Bank And Trust Co.?

How long has Univest Bank And Trust Co. been around?

Can Univest Bank And Trust Co. transfer to other banks?

Does Univest Bank And Trust Co. have quick pay?

Does Univest Bank And Trust Co. accept rolled coins?

Will Univest Bank And Trust Co. accept loose change?

Where is Univest Bank And Trust Co. headquarters?

Customer Reviews for Univest Bank and Trust Co.

There are currently no comments for Univest Bank and Trust Co.. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →