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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 338th largest bank in the nation. It was established in 1876 and as of June of 2014, it had grown to 526 employees at 38 locations. Univest Bank and Trust Co. has a A health rating.

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Reviews (1)

Awesome People

I love this bank. Every time I walk into the bank I am greeted by the tellers by name. It makes me feel special and warm. Then after they finish my transaction flawlessly, they always ask me if I would like a cookie. This bank bakes their cookies in-house and they are so delicious! It's always a nice part of my day when I am there. I'm thankful to be part of this bank.



Health

Data for Q2 2014

Institution Health

A

Texas Ratio

GRADE:
A+

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 June 30, 2014 Univest Bank and Trust Co. had $19.45 million in non-current loans and owned real-estate with $302.23 million in equity and loan loss allowances on hand to cover it. This gives Univest Bank and Trust Co. a Texas Ratio of 6.43% 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 8.99% as of June 30, 2013 to 6.43% as of June 30, 2014, resulting in a positive change of 28.43%.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 -$62.44 million, resulting in -3.29% 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 below 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 $2.18 billion in assets with $302.23 million in equity, resulting in a capitalization level of 13.88%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #7759
Year Established1876
Employees526
Primary RegulatorFED
Assets and Liabilities
Assets$2.18 billion
Loans$1.57 billion
Deposits$1.83 billion
Equity Capital$278.13 million
Loan Loss Allowance$24.09 million
Unbacked Noncurrent Loans$17.80 million
Real Estate Owned$1.65 million
Historic Data - June 2013
Assets$2.23 billion
Equity Capital$274.60 million
Loan Loss Allowance$24.72 million
Unbacked Noncurrent Loans$17.80 million
Real Estate Owned$1.65 million
Profit Margin - Quarterly
Return on Assets0.91%
Return on Equity7.24%
Interest Income$37.80 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
0.95%$500-72 Month IRA
0.85%$500-48 Month IRA
0.65%$500-36 Month IRA
0.50%$500-30 Month IRA
0.40%$500-24 Month IRA
0.35%--18 Month Fixed IRA
0.30%$500-15 Month IRA
0.25%$500-12 Month IRA
0.20%$500-9 Month IRA
0.15%--18 Month Variable IRA
0.10%$500-26 Week IRA
0.05%$2,500-7 - 31 Day IRA
0.05%$500-91 Day IRA
Locations

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