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Universal Bank


Overview / Commentary
www.universalbank.com
626-854-2818
3455 S Nogales Street
West Covina, CA 91792

Universal Bank is headquartered in West Covina and is the 104th largest bank in the state of California. It is also the 1,849th largest bank in the nation. It was established in 1954 and as of September of 2020, it had grown to 67 employees at 5 locations. Universal Bank has a B+ health rating.

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Health
B+

Data as of Q3 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #30722
Year Established1954
Employees67
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD1.34%
Annual Interest Income$12.1MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$423.8MM$406.5MM
LoansQ3 2020vs Q3 2019$319.1MM$315.4MM
DepositsQ3 2020vs Q3 2019$307.7MM$342.8MM
Equity CapitalQ3 2020vs Q3 2019$60.8MM$57.9MM
Loan Loss AllowanceQ3 2020vs Q3 2019$4.3MM$4.1MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$305.00K$388.00K
Real Estate OwnedQ3 2020vs Q3 2019$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Universal Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1-Young Savers
0.04%$100-ATM Savings

Universal Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$50k*-Money Market Savings
OTHER TIERS: 0.05% → $1k - $2.5k | 0.10% → $2.5k - $50k
0.15%*$50k*-Money Market Checking
OTHER TIERS: 0.05% → $1k - $2.5k | 0.10% → $2.5k - $50k

Universal Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-Business Interest Checking
OTHER TIERS: 0.10% → $100 - $1k | 0.15% → $1k - $10k | 0.25% → $10k - $100k
0.04%$2.5k-VIP Checking

Universal Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-2 Year CD
OTHER TIERS: 0.40% → $1k - $10k | 0.45% → $10k - $25k | 0.50% → $25k - $50k | 0.55% → $50k - $100k
0.60%$1k-3 Year CD
0.45%*$100k*-60 Day CD
OTHER TIERS: 0.25% → $1k - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $100k
0.45%*$50k*-1 Year CD
OTHER TIERS: 0.25% → $1k - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $50k
0.40%*$100k*-30 Day CD
OTHER TIERS: 0.20% → $1k - $10k | 0.25% → $10k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k
0.35%*$100k*-180 Day CD
OTHER TIERS: 0.15% → $1k - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k | 0.30% → $50k - $100k
0.30%*$100k*-90 Day CD
OTHER TIERS: 0.10% → $1k - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $100k

Universal Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$25k*-18 Month IRA
OTHER TIERS: 0.40% → $100 - $10k | 0.45% → $10k - $25k
Locations


Universal Bank Locations
Eagle Rock Branch2575 Colorado BoulevardLos Angeles, CA 90041
West Covina Branch3455 Nogales Street, Suite 105West Covina, CA 91792
Arcadia Branch747 West Duarte RoadArcadia, CA 91007
Monterey Park Branch404 S. Atlantic Blvd, Suite CMonterey Park, CA 91754
Rosemead Branch3676 Rosemead BoulevardRosemead, CA 91770

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