BankingStats

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

ClosedAcquired bankAssets at acquisition
Jul 2016Fox Chase Bank Hatboro, PA$1.1B
Jan 2015Valley Green Bank Philadelphia, PA$425M
Oct 2003Suburban Community Bank Chalfont, PA$89M
May 2003First County Bank Doylestown, PA$142M
Jan 2003Pennview Savings Bank Souderton, PA, an affiliate under the same holding company$171M

Where they operate

51 branches in 15 counties.

Largest markets by deposits

CountyDepositsMarket shareRank
Montgomery County, PA$3.9B10.0%4 of 29
Bucks County, PA$1.7B6.4%7 of 28
Lancaster County, PA$515M2.7%9 of 25
Philadelphia County, PA$491M0.7%13 of 37
Chester County, PA$141M0.9%21 of 29
Butler County, PA$78M1.2%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.

PeriodWhat happenedOpened or acquiredClosed or soldNet changeBranches at end
Start of 2016Starting point38
2016Acquired Fox Chase BankOpened 3 in Pennsylvania, closed 3 in Pennsylvania113+846
2017Opened 5 in PennsylvaniaClosed New Hope and Radnor52+349
2018Opened GordonvilleClosed 3 in Pennsylvania13−247
2020Opened Reading10+148
2021Opened 3 in PennsylvaniaClosed 6 in Pennsylvania36−345
2023Opened 12 in 2 statesClosed 6 in Pennsylvania126+651
2024Opened New Holland and SoudertonClosed Brownstown and Souderton22051

Balance sheet and earnings

Loans by type

TypeShareThis bankPeers
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

TypeShareThis bankPeers
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 bankPeer median
Noncurrent loans0.55%0.58%
Net charge-offs, annualized0.09%0.04%
Reserves to loans1.28%0.98%
Leverage ratio9.73%9.95%

Noncurrent loans exclude government-guaranteed portions.

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