Univest Bank and Trust Co.

10 West Broad Street
Souderton, PA 18964
215.721.2464
www.univest.net

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Univest Bank and Trust Co. is headquartered in Souderton and is the 15^st largest bank in the state of Pennsylvania. It is also the 321^st largest bank in the nation. It was established in 1876 and as of December of 2012, it had grown to 539 employees at 40 locations. Univest Bank and Trust Co. has a 5-star health rating.

Univest Bonus and Online Checking Account Review - 2/28/2011

Univest Bank is offering a $100 bonus for opening one of its personal checking accounts with direct deposit. They offer two online checking accounts that qualify: Anytime Online Checking and Honestly ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Univest Bank and Trust Co. Checking Account Rates

	Apy	Min	Max	Product
	0.05%	$100	-	Pure Gold Checking

Univest Bank and Trust Co. Savings Account Rates

Apy	Min	Max	Product
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

Apy	Min	Max	Product
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. CD Rates

Apy	Min	Max	Product
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

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

Rates updated: 5/20/2013

Data for Q4 2012

Institution Statistics

Univest Bank and Trust Co.
FDIC Certificate #	7759
BankRate Report	View
Year Established	1876
Employees	539
Primary Regulator	FED
Assets and Liabilities
Assets	$2.28 billion
Loans	$1.46 billion
Deposits	$1.87 billion
Equity Capital	$277.06 million
Loan Loss Allowance	$24.75 million
Unbacked Noncurrent Loans	$31.49 million
Real Estate Owned	$1.61 million
Historic Data - December 2011
Assets	$2.18 billion
Equity Capital	$276.32 million
Loan Loss Allowance	$29.87 million
Unbacked Noncurrent Loans	$37.93 million
Real Estate Owned	$6.60 million
Profit Margin - Quarterly
Net Interest Margin	3.72%
Return on Assets	0.98%
Return on Equity	7.75%
Interest Income	$80.57 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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, 2012 Univest Bank and Trust Co. had $33.1 million in non-current loans and owned real-estate with $301.81 million in equity and loan loss allowances on hand to cover it. This gives Univest Bank and Trust Co. a Texas Ratio of 10.97% 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 Univest Bank and Trust Co. decreased slightly from 14.40% as of December 31, 2011 to 10.97% as of December 31, 2012, resulting in a positive change of 23.84%.This indicates that the balance sheet and financial strength for Univest Bank and Trust Co. has improved slightly in recent periods.
Deposit Growth
In the past year, Univest Bank and Trust Co. has increased its total deposits by $125.22 million, resulting in 7.16% 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 excellent.
Capitalization
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 $2.28 billion in assets with $301.81 million in equity, resulting in a capitalization level of 13.24%, which is excellent.