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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.07% | 1.22% | 1.18% | 1.39% | 1.27% | 1.33% | 1.24% | +6 bps | |
| Return on Equity | 8.88% | 9.70% | 10.95% | 10.31% | 12.38% | 11.67% | 12.04% | 10.99% | +69 bps | |
| Net Interest Margin | 2.82% | 2.88% | 3.02% | 3.16% | 3.18% | 3.10% | 3.22% | 3.41% | +25 bps | |
| Efficiency Ratio | 65.00% | 63.00% | 59.90% | 58.06% | 57.93% | 57.59% | 59.89% | 60.39% | +233 bps | |
| Non-Interest Burden | 1.45% | 1.37% | 1.31% | 1.34% | 1.35% | 1.31% | 1.41% | 1.65% | +31 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 | 0.05% | 0.04% | 0.10% | 0.46% | 0.03% | 0.07% | 0.07% | 0.11% | -35 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 | |