Side-by-side · Q2 2026 data
Univest Bank and Trust Co. vs S&T Bank
Metric by metric
| Measure | Univest Bank and Trust Co. | S&T Bank |
|---|---|---|
| TellerScore | 61 | 70 (stronger) |
| Capital cushion | 47 | 60 (stronger) |
| Loan quality | 79 | 83 (stronger) |
| Earnings | 71 | 79 (stronger) |
| Funding & liquidity | 28 | 39 (stronger) |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 24th | 58th |
| Total assets | $8.2B | $9.9B |
| Deposits / shares | $7.0B | $8.1B |
| Capital ratio | 9.73% | 11.02% (stronger) |
| Problem loans | 0.62% | 0.50% (stronger) |
| Net charge-offs | 0.09% | 0.07% (stronger) |
| Return on assets | 1.28% | 1.47% (stronger) |
| Loans ÷ deposits | 99.0% | 98.1% (stronger) |
| Uninsured deposits | 45.1% | 35.8% (stronger) |
| Offices | 38 | 71 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | 31.1% |
S&T Bank has the higher TellerScore (70 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Univest Bank and Trust Co. leads on 0 and S&T Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.