Univest Bank and Trust Co.
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
$8.2BAssets
$7.1BLoans
$7.0BDeposits
$921.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 64% of banks $1B-$10B in assets (rank 118 of 328).
- Widest gap: tier 1 capital ratio trails 89% of banks $1B-$10B in assets (rank 293 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $125.5M · efficiency ratio beats 47% of banks $1B-$10B in assets | 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 |