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3455 Nogales Street, Suite #105
West Covina, CA 91792

Universal Bank is headquartered in West Covina and is the 118st largest bank in the state of California. It is also the 2,088th largest bank in the nation. It was established in 1954 and as of March of 2014, it had grown to 77 employees at 5 locations. Universal Bank has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Universal Bank had $7.58 million in non-current loans and owned real-estate with $49.6 million in equity and loan loss allowances on hand to cover it. This gives Universal Bank a Texas Ratio of 15.28% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Universal Bank decreased dramatically from 26.68% as of March 31, 2013 to 15.28% as of March 31, 2014, resulting in a positive change of 42.72%.This indicates that the balance sheet and financial strength for Universal Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Universal Bank has decreased its total deposits by -$37.76 million, resulting in -12.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Universal Bank has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Universal Bank has $314.39 million in assets with $49.6 million in equity, resulting in a capitalization level of 15.78%, which is excellent.

Institution Statistics

FDIC Certificate #30722
Year Established1954
Primary RegulatorOCC
Assets and Liabilities
Assets$314.39 million
Loans$251.35 million
Deposits$260.89 million
Equity Capital$39.78 million
Loan Loss Allowance$9.82 million
Unbacked Noncurrent Loans$6.02 million
Real Estate Owned$1.56 million
Historic Data - March 2013
Assets$340.70 million
Equity Capital$38.93 million
Loan Loss Allowance$10.16 million
Unbacked Noncurrent Loans$6.02 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.37%
Return on Assets0.22%
Return on Equity1.72%
Interest Income$2.75 million

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Universal Bank Savings Account Rates

0.50%$100-Young Savers
0.04%$100-ATM Savings

Universal Bank Money Market Rates

0.15%$10k$100kMoney Market Savings
0.15%$50k-Money Market Checking

Universal Bank Checking Account Rates

0.30%$10k$50kBusiness Interest Checking
0.04%$2,500-VIP Checking

Universal Bank CD Rates

0.60%$100k-2 Year CD
0.60%$1k-3 Year CD
0.45%$100k-60 Day CD
0.45%$50k-1 Year CD
0.40%$100k-30 Day CD
0.35%$100k-180 Day CD
0.30%$100k-90 Day CD

Universal Bank IRA Rates

0.75%$25k-18 Month IRA

Universal Bank Locations
Eagle Rock - Colorado Branch2575 Colorado BoulevardLos Angeles, CA 90041
Universal Bank3455 Nogales Street, Suite #105West Covina, CA 91792
Arcadia Branch747 West Duarte RoadArcadia, CA 91007
W Garvey Abenue Branch757 W Garvey AvenueMonterey Park, CA 91754
Rosemead Branch8855 East Valley BoulevardRosemead, CA 91770