Side-by-side · Q2 2026 data
Peoples Security Bank and Trust Company vs Univest Bank and Trust Co.
Metric by metric
| Measure | Peoples Security Bank and Trust Company | Univest Bank and Trust Co. |
|---|---|---|
| TellerScore | 69 (stronger) | 61 |
| Capital cushion | 55 (stronger) | 47 |
| Loan quality | 89 (stronger) | 79 |
| Earnings | 69 | 71 (stronger) |
| Funding & liquidity | 48 (stronger) | 28 |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 53rd | 24th |
| Total assets | $5.4B | $8.2B |
| Deposits / shares | $4.5B | $7.0B |
| Capital ratio | 10.46% (stronger) | 9.73% |
| Problem loans | 0.33% (stronger) | 0.62% |
| Net charge-offs | 0.06% (stronger) | 0.09% |
| Return on assets | 1.23% | 1.28% (stronger) |
| Loans ÷ deposits | 94.5% (stronger) | 99.0% |
| Uninsured deposits | 31.0% (stronger) | 45.1% |
| Offices | 40 | 38 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.2% | 10.2% |
Peoples Security Bank and Trust Company has the higher TellerScore (69 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Peoples Security Bank and Trust Company leads on 6 and Univest Bank and Trust Co. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.