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215-721-2464
10 West Broad Street
Souderton, PA 18964

Univest Bank and Trust Co. is headquartered in Souderton and is the 16st largest bank in the state of Pennsylvania. It is also the 330th largest bank in the nation. It was established in 1876 and as of December of 2013, it had grown to 527 employees at 38 locations. Univest Bank and Trust Co. has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Univest Bank and Trust Co. had $24.05 million in non-current loans and owned real-estate with $295.6 million in equity and loan loss allowances on hand to cover it. This gives Univest Bank and Trust Co. a Texas Ratio of 8.14% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Univest Bank and Trust Co. decreased slightly from 10.91% as of December 31, 2012 to 8.14% as of December 31, 2013, resulting in a positive change of 25.44%.This indicates that the balance sheet and financial strength for Univest Bank and Trust Co. has improved slightly in recent periods.

Deposit Growth

GRADE:
C

In the past year, Univest Bank and Trust Co. has decreased its total deposits by -$27.6 million, resulting in -1.47% 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 Univest Bank and Trust Co. has shown is average.

Capitalization

GRADE:
A+

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. Univest Bank and Trust Co. has $2.17 billion in assets with $295.6 million in equity, resulting in a capitalization level of 13.61%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #7759
Year Established1876
Employees527
Primary RegulatorFED
Assets and Liabilities
Assets$2.17 billion
Loans$1.52 billion
Deposits$1.85 billion
Equity Capital$271.11 million
Loan Loss Allowance$24.49 million
Unbacked Noncurrent Loans$22.40 million
Real Estate Owned$1.65 million
Historic Data - December 2012
Assets$2.28 billion
Equity Capital$277.06 million
Loan Loss Allowance$24.75 million
Unbacked Noncurrent Loans$22.40 million
Real Estate Owned$1.61 million
Profit Margin - Quarterly
Net Interest Margin3.64%
Return on Assets1.01%
Return on Equity8.17%
Interest Income$77.74 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Univest Bank and Trust Co., we are a rate comparison website and can not provide official rates or promotions.

Univest Bank and Trust Co. Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Online Savings
0.05%--Online Business Savings
0.05%--Statement Savings
0.05%--Eaglet Savings
0.05%$2,500-SuperSavings
0.05%--Club Accounts
0.05%--Health Savings Account
0.05%$100-Business Statement Savings

Univest Bank and Trust Co. Money Market Rates

DetailsAPYMINMAXPRODUCT
0.05%--21st Century Money Market
0.05%--Business Premium Money Market
0.05%--Business Money Market Account
0.05%--Business Relationship Money Market

Univest Bank and Trust Co. Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$100-Pure Gold Checking

Univest Bank and Trust Co. CD Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-72 Month Fixed CD
1.00%$500-60 Month Fixed CD
0.85%$500-48 Month Fixed CD
0.65%$500-3 Year 3D-CD
0.65%$500-36 Month Fixed CD
0.50%$500-30 Month Fixed CD
0.40%$500-2 Year 3D-CD
0.40%$500-24 Month Fixed CD
0.35%$500-18 Month Fixed CD
0.30%$500-15 Month Fixed CD
0.25%$500-1 Year 3D-CD
0.25%$500-12 Month Fixed CD
0.20%$500-9 Month Fixed CD
0.10%$500-26 Week Fixed CD
0.10%$500-18 Month Flex CD
0.05%$500-91 Day Fixed CD
0.05%$2,500-7 - 31 Day Fixed CD

Univest Bank and Trust Co. IRA Rates

DetailsAPYMINMAXPRODUCT
0.95%$500-60 Month IRA (Traditional,Roth)
0.95%$500-72 Month IRA (Traditional,Roth)
0.85%$500-48 Month IRA (Traditional,Roth)
0.65%$500-36 Month IRA (Traditional,Roth)
0.50%$500-30 Month IRA (Traditional,Roth)
0.40%$500-24 Month IRA (Traditional,Roth)
0.35%--18 Month Fixed IRA (Traditional,Roth)
0.30%$500-15 Month IRA (Traditional,Roth)
0.25%$500-12 Month IRA (Traditional,Roth)
0.20%$500-9 Month IRA (Traditional,Roth)
0.15%--18 Month Variable IRA (Traditional,Roth)
0.10%$500-26 Week IRA (Traditional,Roth)
0.05%$2,500-7 - 31 Day IRA (Traditional,Roth)
0.05%$500-91 Day IRA (Traditional,Roth)
Locations

Univest Bank and Trust Co. has 39 locations. Click to view all Univest Bank and Trust Co. locations.