Side-by-side · Q2 2026 data
Universal Bank vs Asian Pacific National Bank
Metric by metric
| Measure | Universal Bank | Asian Pacific National Bank |
|---|---|---|
| TellerScore | 54 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 34 | 56 (stronger) |
| Funding & liquidity | 66 | 84 (stronger) |
| Problem-loan coverage | 72 | 100 (stronger) |
| Peer percentile | 10th | 87th |
| Total assets | $388.0M | $56.9M |
| Deposits / shares | $275.1M | $45.1M |
| Capital ratio | 17.80% | 20.07% (stronger) |
| Problem loans | 3.74% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.36% | 0.91% (stronger) |
| Loans ÷ deposits | 94.1% | 76.3% (stronger) |
| Uninsured deposits | 13.7% | 8.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Asian Pacific National Bank has the higher TellerScore (89 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Universal Bank leads on 1 and Asian Pacific National Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.