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Universal Bank


Overview / Commentary
www.universalbank.com
626-854-2818
3455 Nogales St. 2nd Floor
West Covina, CA 91792

Universal Bank is headquartered in WEST COVINA and is the 101st largest bank in the state of California. It is also the 2,201st largest bank in the nation. It was established in 1954 and as of March of 2023, it had grown to 58 employees at 5 locations. Universal Bank has a B+ health rating.

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Health
B+

Data as of Q1 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #30722
Year Established1954
Employees58
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD1.51%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$361.2MM$370.6MM
LoansQ1 2023vs Q1 2022$267.5MM$271.7MM
DepositsQ1 2023vs Q1 2022$226.6MM$266.1MM
Equity CapitalQ1 2023vs Q1 2022$63.4MM$62.5MM
Loan Loss AllowanceQ1 2023vs Q1 2022$4.6MM$4.5MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$2.00K$1.3MM
Real Estate OwnedQ1 2023vs Q1 2022$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 - $10k
0.15%*$50k*-Money Market Checking
OTHER TIERS: 0.05% → $1k - $2.5k | 0.10% → $2.5k - $10k
0.10%*$50k*-Foothill Unity Center Money Market Checking
OTHER TIERS: 0.05% → $1.5k - $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-Basic Interest 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%*$50k*-1 Year CD
OTHER TIERS: 0.25% → $1k - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $50k
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
0.20%*$50k*-60 Day CD
OTHER TIERS: 0.10% → $1k - $50k
0.10%*$50k*-30 Day CD
OTHER TIERS: 0.05% → $1k - $50k

Universal Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-3 Year IRA
0.35%$1k-2 Year IRA
0.30%$100-18 Month IRA
0.25%$1k-1 Year IRA
0.15%$1k-180 Days IRA
Locations


Universal Bank Locations
Eagle Rock Branch2575 Colorado BoulevardLos Angeles, CA 90041
West Covina Branch3455 S Nogales St Ste 105West Covina, CA 91792
Arcadia Branch57 Wheeler Ave, Unit GArcadia, CA 91007
Monterey Park Branch404 S. Atlantic Blvd, Suite CMonterey Park, CA 91754
Rosemead Branch3676 Rosemead BoulevardRosemead, CA 91770

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