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Univest Bank and Trust Co.
Souderton, PA·FDIC Cert #7759·Charter: STATE·Est. 18760401.0·HC: UNIVEST FINANCIAL CORP
Total Assets
$8.4B
Q4 2025
Return on Assets
1.26%
+0.01%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.35%
Peer avg: 56.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.26%+0.01
ROE
11.37%+0.15
Efficiency
58.35%-0.26
Equity/Assets
0.00%+0.00
NPL Ratio
0.20%-0.22
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.03%+3.56
Charge-offs
0.16%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.3 | 1.3 |
| ROE | 10.9 | 10.2 | 9.7 | 9.8 | 10.9 | 10.6 | 11.2 | 11.4 |
| Efficiency | 61.0 | 62.5 | 63.3 | 63.2 | 59.9 | 59.0 | 58.6 | 58.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.4 | 0.4 | 0.2 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.3 | 0.2 | 0.2 |
| Loan/Deposit | 99.9 | 100.4 | 95.7 | 98.0 | 99.6 | 100.2 | 91.5 | 95.0 |
Balance Sheet
Total Assets$8.4B
Total Deposits$7.2B
Total Loans$6.8B
Total Equity$907.1M
Profitability
ROA1.26%
ROE11.37%
Efficiency Ratio58.35%
Net Income$103.3M
Risk & Asset Quality
NPL Ratio0.20%
Charge-off Rate0.16%
Loan/Deposit95.03%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans