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Univest Bank and Trust Co.

Hilltown, PA · Cert 7759 · Univest Financial Corp.

State charter, Fed member · FED · 51 branches

Q2 2026

$8.2BAssets
$7.1BLoans
$7.0BDeposits
$921.9MEquity
Loan mix
86%RE $5.6B14%C&I $0.9B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $5.5B22%Noninterest $1.6BQ2 2025Q2 2026

NIM

5.12%Q2 ’245.23%Q2 ’255.27%Q2 ’26+10%+8%

Non-interest income vs. expense

2.50%Q2 ’242.46%Q2 ’252.62%Q2 ’26+4%+16%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.9% share · #13 of 88 inst. · $6.2B of $685.1B

10.0% Montgomery
6.4% Bucks
2.7% Lancaster
0.7% Philadelphia

Executive Summary

  • Earnings: ROA of 1.28%, up 8 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.62% of loans (+21 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.73%, down 13 bps from a year ago.
  • Funding: loans stand at 100.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+25 bps YoY

Efficiency Ratio (YTD, annualized)

60.13%+117 bps YoY

Tier 1 Leverage Ratio

9.73%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.25%1.26%1.33%1.28%+8 bps
Return on Equity10.63%11.22%11.37%12.04%11.52%+89 bps
Net Interest Margin3.09%3.07%2.99%3.22%3.34%+25 bps
Efficiency Ratio58.97%58.61%58.35%59.89%60.13%+117 bps
Non-Interest Burden1.33%1.31%1.27%1.41%1.54%+22 bps
Growth
Asset Growth (YoY)1.00%4.36%3.68%1.97%3.21%+221 bps
Loan Growth (YoY)1.58%0.65%1.27%1.58%3.46%+189 bps
Deposit Growth (YoY)1.77%5.29%4.47%2.00%4.73%+296 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.41%0.20%0.31%0.62%+21 bps
Net Charge-Offs / Loans0.28%0.20%0.16%0.07%0.09%-19 bps
Allowance / Loans1.28%1.27%1.27%1.28%1.28%0 bps
Allowance Coverage of NPLs3.1x3.1x6.4x4.2x2.0x-1.1x
Capital
Tier 1 Leverage Ratio9.86%9.77%9.07%9.51%9.73%-13 bps
Total Risk-Based Capital12.36%12.58%11.97%12.08%12.01%-35 bps
Equity / Assets11.55%10.89%10.79%11.30%11.28%-26 bps
Liquidity & Funding
Loans / Deposits101.47%92.65%96.25%100.47%100.24%-123 bps
Liquid Assets / Assets2.68%10.20%7.30%3.36%2.84%+16 bps
CRE / Total Capitaln/a391%417%415%n/an/a