Hilltown, PA · Cert 7759 · Univest Financial Corp.
State charter, Fed member · FED · 51 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
41
Profitability
50
Liquidity
9
Efficiency
47
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hilltown, PA · Cert 7759 · Univest Financial Corp.
State charter, Fed member · FED · 51 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.9% share · #13 of 88 inst. · $6.2B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.08% | 1.22% | 1.20% | 1.25% | 1.26% | 1.33% | 1.28% | +8 bps | |
| Return on Equity | 9.73% | 9.75% | 10.95% | 10.63% | 11.22% | 11.37% | 12.04% | 11.52% | +89 bps | |
| Net Interest Margin | 2.76% | 2.75% | 3.02% | 3.09% | 3.07% | 2.99% | 3.22% | 3.34% | +25 bps | |
| Efficiency Ratio | 63.32% | 63.23% | 59.90% | 58.97% | 58.61% | 58.35% | 59.89% | 60.13% | +117 bps | |
| Non-Interest Burden | 1.30% | 1.30% | 1.31% | 1.33% | 1.31% | 1.27% | 1.41% | 1.54% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.82% | 4.43% | 2.89% | 1.00% | 4.36% | 3.68% | 1.97% | 3.21% | +221 bps | |
| Loan Growth (YoY) | 2.37% | 4.02% | 3.85% | 1.58% | 0.65% | 1.27% | 1.58% | 3.46% | +189 bps | |
| Deposit Growth (YoY) | 6.17% | 6.14% | 4.22% | 1.77% | 5.29% | 4.47% | 2.00% | 4.73% | +296 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.19% | 0.17% | 0.41% | 0.41% | 0.20% | 0.31% | 0.62% | +21 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.06% | 0.10% | 0.28% | 0.20% | 0.16% | 0.07% | 0.09% | -19 bps | |
| Allowance / Loans | 1.28% | 1.27% | 1.28% | 1.28% | 1.27% | 1.27% | 1.28% | 1.28% | 0 bps | |
| Allowance Coverage of NPLs | 5.5x | 6.7x | 7.7x | 3.1x | 3.1x | 6.4x | 4.2x | 2.0x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.78% | 9.45% | 9.75% | 9.86% | 9.77% | 9.07% | 9.51% | 9.73% | -13 bps | |
| Total Risk-Based Capital | 12.41% | 12.03% | 12.18% | 12.36% | 12.58% | 11.97% | 12.08% | 12.01% | -35 bps | |
| Equity / Assets | 11.06% | 10.94% | 11.36% | 11.55% | 10.89% | 10.79% | 11.30% | 11.28% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.92% | 99.29% | 100.88% | 101.47% | 92.65% | 96.25% | 100.47% | 100.24% | -123 bps | |
| Liquid Assets / Assets | 6.89% | 4.77% | 2.85% | 2.68% | 10.20% | 7.30% | 3.36% | 2.84% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 391% | 417% | 415% | n/a | n/a | |
Hilltown, PA · Cert 7759 · Peer group: banks $1B-$10B in assets (n=322-328) · Univest Financial Corp.
State charter, Fed member · FED · 51 branches
Q2 2026
Return on Assets
1.29%
Rank 136 of 328
Net Interest Margin
3.34%
Rank 192 of 328
Efficiency Ratio
60.24%
Rank 174 of 328
Equity / Assets
11.28%
Rank 118 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.29% | 0.91% | 1.22% | 1.52% | Beats 59% | 136 / 328 | ||
| Return on Equity | 11.43% | 8.43% | 11.45% | 14.43% | Beats 49% | 166 / 328 | ||
| Net Interest Margin | 3.34% | 3.03% | 3.45% | 3.83% | Beats 41% | 192 / 328 | ||
| Efficiency Ratio | 60.24% | 51.61% | 59.56% | 67.53% | Beats 47% | 174 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.24% | 0.51% | 1.03% | Beats 42% | 187 / 322 | ||
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.03% | 0.10% | Beats 39% | 197 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.76% | 11.75% | 13.15% | 15.47% | Beats 11% | 293 / 328 | ||
| Total Risk-Based Capital Ratio | 12.01% | 12.63% | 14.15% | 16.46% | Beats 18% | 269 / 328 | ||
| Equity / Assets | 11.28% | 9.15% | 10.33% | 12.01% | Beats 64% | 118 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.24% | 76.63% | 87.92% | 95.36% | 87th pctl | 42 / 323 | ||
| Loans / Assets | 86.37% | 65.18% | 74.15% | 79.98% | 94th pctl | 19 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||