Universal Bank


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

Universal Bank is headquartered in West Covina and is the 107th largest bank in the state of California. It is also the 1,893rd largest bank in the nation. It was established in 1954 and as of June of 2020, it had grown to 70 employees at 5 locations. Universal Bank has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #30722
Year Established1954
Employees70
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.17%
Return on Equity - YTD1.11%
Annual Interest Income$8.0MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$408.3MM$403.1MM
LoansQ2 2020vs Q2 2019$325.6MM$314.4MM
DepositsQ2 2020vs Q2 2019$292.6MM$339.5MM
Equity CapitalQ2 2020vs Q2 2019$60.5MM$57.8MM
Loan Loss AllowanceQ2 2020vs Q2 2019$4.2MM$4.1MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$311.00K$393.00K
Real Estate OwnedQ2 2020vs Q2 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
1.00%*$50k*-Universal Relationship Money Market Savings
OTHER TIERS: 0.10% Up to $10k | 0.85% $10k - $50k
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
0.75%*$25k*-18 Month IRA
OTHER TIERS: 0.60% $100 - $10k | 0.70% $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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