Headquartered in Souderton, Pennsylvania, Univest Bank and Trust Co. is a state-chartered bank (fed member) with $8.2B in total assets and $7.0B in deposits as of Q2 2026. It operates 51 offices across 3 states. Its charter dates back to 1876.
Based on its Q2 2026 filing, Univest Bank and Trust Co. scores 61/100, which we describe as moderate. That is higher than only 24% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 79th. Its strongest component is problem-loan coverage (88/100; 6.2%), and its lowest is funding & liquidity (28/100; 99% loans-to-deposits, 45% uninsured).
TellerScore · Q2 2026
Scorecard
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 fell 2 points (63 → 61), mostly because the loan quality component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 64 |
| Q4 2024 | 63 |
| Q1 2025 | 65 |
| Q2 2025 | 63 |
| Q3 2025 | 64 |
| Q4 2025 | 63 |
| Q1 2026 | 64 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.98% |
| Q3 2024 | 9.78% |
| Q4 2024 | 9.45% |
| Q1 2025 | 9.75% |
| Q2 2025 | 9.86% |
| Q3 2025 | 9.77% |
| Q4 2025 | 9.07% |
| Q1 2026 | 9.51% |
| Q2 2026 | 9.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.62% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.08% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.25% |
| Q4 2025 | 1.26% |
| Q1 2026 | 1.33% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $8.2B | 9.73% | 0.62% | 1.28% | 99.0% |
| Q1 2026 | 64 | $8.1B | 9.51% | 0.31% | 1.33% | 99.2% |
| Q4 2025 | 63 | $8.4B | 9.07% | 0.20% | 1.26% | 95.0% |
| Q3 2025 | 64 | $8.5B | 9.77% | 0.41% | 1.25% | 91.5% |
| Q2 2025 | 63 | $7.9B | 9.86% | 0.41% | 1.20% | 100.2% |
| Q1 2025 | 65 | $8.0B | 9.75% | 0.17% | 1.22% | 99.6% |
| Q4 2024 | 63 | $8.1B | 9.45% | 0.19% | 1.08% | 98.0% |
| Q3 2024 | 64 | $8.2B | 9.78% | 0.23% | 1.08% | 95.7% |
| Q2 2024 | 65 | $7.8B | 9.98% | 0.24% | 1.14% | 100.4% |
897 peers · $1 billion – $10 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).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CNB BankBank Clearfield, PA | 65 out of 100, Moderate | $8.4B | 10.2% | 0.84% | vs |
| Mid Penn BankBank Millersburg, PA | 69 out of 100, Moderate | $7.0B | 10.4% | 0.51% | vs |
| S&T BankBank Indiana, PA | 70 out of 100, Strong | $9.9B | 11.0% | 0.50% | vs |
| Firstrust Savings BankBank Conshohocken, PA | 68 out of 100, Moderate | $5.6B | 11.4% | 0.79% | vs |
| Orrstown BankBank Harrisburg, PA | 70 out of 100, Strong | $5.6B | 10.0% | 0.60% | vs |
| Peoples Security Bank and Trust CompanyBank Dunmore, PA | 69 out of 100, Moderate | $5.4B | 10.5% | 0.33% | vs |
Deposit insurance
Is my money safe at Univest Bank and Trust Co.?
Yes. Univest Bank and Trust Co. is an FDIC-insured institution (FDIC certificate #7759). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.1% of deposits ($3.2B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.01% (benchmark: 10%).
51 locations
Branches
Univest Bank and Trust Co. lists 38 offices in 34 cities across 3 states. Most locations:
- Philadelphia, PA (5)
- Allentown, PA (1)
- Baltimore, MD (1)
- Bethlehem, PA (1)
- Blue Bell, PA (1)
- Chalfont, PA (1)
- Christiana, PA (1)
- Collegeville, PA (1)
- Colmar, PA (1)
- Cranberry, PA (1)
- Doylestown, PA (1)
- East Greenville, PA (1)
HMDA 2025
Mortgage lending
In 2025, Univest Bank and Trust Co. reported 2,164 home-loan applications under HMDA (LEI 549300LBK5BTNFKZJD14): 1,647 originated ($496,825,000 total), 188 denied, and 312 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Univest Bank and Trust Co.
- Former names
- Univest National Bank and Trust Co.; Union National Bank and Trust Company of Souderton
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 7759
- RSSD ID
- 354310
- Primary regulator
- FED
- Holding company
- Univest Financial Corp
- Established
- April 1, 1876
- Headquarters
- 790 Route 113, Souderton, PA 18964
- Website
- www.univest.net
- Employees
- 869
Quick answers
Univest Bank and Trust Co.: common questions
Is Univest Bank and Trust Co. FDIC insured?
Yes. Univest Bank and Trust Co. is an FDIC-insured institution (FDIC certificate #7759). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Univest Bank and Trust Co.'s TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Univest Bank and Trust Co. ever failed?
There is no failure record for FDIC certificate #7759 in the FDIC failed bank list.
How many branches does Univest Bank and Trust Co. have?
51 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Souderton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA | 100 out of 100, Very strong | $4.1M | 15.4% | 0.00% | vs |
| B. Braun Federal Credit UnionCredit union Allentown, PA | 100 out of 100, Very strong | $1.9M | 25.1% | 0.00% | vs |
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| Lehigh County Employees Federal Credit UnionCredit union Allentown, PA | 96 out of 100, Very strong | $33.1M | 15.7% | 0.00% | vs |
| SEI Private Trust CompanyBank Oaks, PA | 93 out of 100, Very strong | $208.5M | 80.4% | 0.00% | vs |
| The National Bank of MalvernBank Malvern, PA | 93 out of 100, Very strong | $224.0M | 16.5% | 0.10% | vs |