TellerScore

Headquartered in West Covina, California, Universal Bank is a savings bank with $388.0M in total assets and $275.1M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1954.

Based on its Q2 2026 filing, Universal Bank scores 54/100, which we describe as below average. That is higher than only 10% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 101st. Its strongest component is capital cushion (100/100; 17.80%), and its lowest is loan quality (0/100; 3.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 17.80%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.74%
Earnings34/100
Return on assets (annualized): 0.36%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 94.1% · 13.7% uninsured
Problem-loan coverage72/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 14.04%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (52 → 54), mostly because the funding & liquidity component improved by 10 points.

TellerScore
526680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202474
Q4 202479
Q1 202571
Q2 202552
Q3 202552
Q4 202554
Q1 202655
Q2 202654
Tier 1 leverage ratio
5.00%11.69%18.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202417.54%
Q3 202417.58%
Q4 202418.34%
Q1 202518.33%
Q2 202518.30%
Q3 202518.39%
Q4 202518.21%
Q1 202618.21%
Q2 202617.80%
Noncurrent loans
0.00%1.87%3.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.53%
Q4 20240.00%
Q1 20250.73%
Q2 20253.60%
Q3 20253.56%
Q4 20253.57%
Q1 20263.69%
Q2 20263.74%
Return on assets
0.02%0.30%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.45%
Q4 20240.35%
Q1 20250.02%
Q2 20250.25%
Q3 20250.33%
Q4 20250.39%
Q1 20260.38%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$388.0M17.80%3.74%0.36%94.1%
Q1 202655$373.4M18.21%3.69%0.38%91.2%
Q4 202554$371.2M18.21%3.57%0.39%95.6%
Q3 202552$361.5M18.39%3.56%0.33%103.9%
Q2 202552$360.9M18.30%3.60%0.25%104.2%
Q1 202571$366.3M18.33%0.73%0.02%105.7%
Q4 202479$356.3M18.34%0.00%0.35%111.5%
Q3 202474$361.8M17.58%0.53%0.45%110.2%
Q2 202480$384.2M17.54%0.00%0.59%101.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.80%
94th
Total risk-based capital0.00%
24th
Problem loans3.74%
4th
Net charge-offs-0.02%
90th
Return on assets0.36%
9th
Net interest margin3.00%
10th
Efficiency ratio83.4%
10th
Loans to deposits94.1%
18th
Uninsured deposits13.7%
85th
Loan-loss reserves1.08%
36th
Texas ratio14.0%
11th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
American Continental BankBank City Of Industry, CA87 out of 100, Very strong$385.3M16.2%0.37%vs
Balboa Thrift and Loan AssociationBank Chula Vista, CA48 out of 100, Below average$394.5M10.6%1.14%vs
Community Bank of Santa MariaBank Santa Maria, CA72 out of 100, Strong$396.5M10.5%0.15%vs
Liberty Bank, National AssociationBank Irvine, CA72 out of 100, Strong$399.2M14.4%0.00%vs
Infinity BankBank Santa Ana, CA70 out of 100, Strong$359.5M13.0%0.95%vs
Murphy BankBank Fresno, CA88 out of 100, Very strong$357.2M14.9%0.39%vs

Deposit insurance

Is my money safe at Universal Bank?

Yes. Universal Bank is an FDIC-insured institution (FDIC certificate #30722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.7% of deposits ($37.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 17.80%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Universal Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Universal Bank
Former names
Universal Bank F.S.B.; Universal Savings Bank
Type
Savings bank
FDIC certificate #
30722
RSSD ID
208570
Primary regulator
OCC
Holding company
Universal Financial Inc
Established
November 17, 1954
Headquarters
3455 S Nogales St, West Covina, CA 91792
Employees
47

Quick answers

Universal Bank: common questions

Is Universal Bank FDIC insured?

Yes. Universal Bank is an FDIC-insured institution (FDIC certificate #30722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Universal Bank's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Universal Bank ever failed?

There is no failure record for FDIC certificate #30722 in the FDIC failed bank list.

How many branches does Universal Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near West Covina

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs