Univest Bank and Trust Co.
Souderton, Pennsylvania, Bucks County
$8.2B in total assets, the 202nd largest of 4,309 US banks and 11th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 7759
- Established
- 1876
- Owned by
- Univest Financial Corp
- Primary regulator
- FED
- Website
- http://www.univest.net
At a glance
Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $8.2B | 94% | $2.2B | |
| Loans | $7.1B | 97% | $1.6B | |
| Deposits | $7.0B | 94% | $1.8B | |
| Return on assets | 1.31% | 69% | 1.16% | |
| Net interest margin | 3.48% | 36% | 3.75% | |
| Efficiency ratio | 60.1% | 56% | 58.6% | |
| Equity to assets | 11.28% | 69% | 10.31% | |
| Loans to deposits | 100% | 89% | 89% |
Growth
Total assets grew 5.2% a year over the last 5 years and 10.6% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2016 | Fox Chase Bank Hatboro, PA | $1.1B |
| Jan 2015 | Valley Green Bank Philadelphia, PA | $425M |
| Oct 2003 | Suburban Community Bank Chalfont, PA | $89M |
| May 2003 | First County Bank Doylestown, PA | $142M |
| Jan 2003 | Pennview Savings Bank Souderton, PA, an affiliate under the same holding company | $171M |
Where they operate
51 branches in 15 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Montgomery County, PA | $3.9B | 10.0% | 4 of 29 |
| Bucks County, PA | $1.7B | 6.4% | 7 of 28 |
| Lancaster County, PA | $515M | 2.7% | 9 of 25 |
| Philadelphia County, PA | $491M | 0.7% | 13 of 37 |
| Chester County, PA | $141M | 0.9% | 21 of 29 |
| Butler County, PA | $78M | 1.2% | 14 of 19 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 13 branches since 2016 (38 to 51, +34.2%). 27 opened, 8 acquired, 22 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 38 | |||
| 2016 | Acquired Fox Chase BankOpened 3 in Pennsylvania, closed 3 in Pennsylvania | 11 | 3 | +8 | 46 |
| 2017 | Opened 5 in PennsylvaniaClosed New Hope and Radnor | 5 | 2 | +3 | 49 |
| 2018 | Opened GordonvilleClosed 3 in Pennsylvania | 1 | 3 | −2 | 47 |
| 2020 | Opened Reading | 1 | 0 | +1 | 48 |
| 2021 | Opened 3 in PennsylvaniaClosed 6 in Pennsylvania | 3 | 6 | −3 | 45 |
| 2023 | Opened 12 in 2 statesClosed 6 in Pennsylvania | 12 | 6 | +6 | 51 |
| 2024 | Opened New Holland and SoudertonClosed Brownstown and Souderton | 2 | 2 | 0 | 51 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 35% | 32% | |
| 1-4 family residential | 24% | 35% | |
| Business (C&I) | 14% | 10% | |
| Farmland | 10% | 3% | |
| Multifamily | 6% | 7% | |
| Construction and land | 5% | 6% | |
| Consumer | 0% | 3% | |
| Other | 6% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 57% | 54% | |
| Noninterest-bearing | 22% | 19% | |
| Time deposits | 20% | 27% |
Brokered deposits are 8.2% of deposits (peers 2.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.55% | 0.58% |
| Net charge-offs, annualized | 0.09% | 0.04% |
| Reserves to loans | 1.28% | 0.98% |
| Leverage ratio | 9.73% | 9.95% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Montgomery County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/univest