BlastPoint's Banking Scorecard
Univest Bank and Trust Co.
Mid-Market
Specialty: Commercial
PA
FDIC cert 7759
Souderton, PA
201
banks in Mid-Market tier nationally
12 in PA
View Mid-Market leaderboard (PA) →
Univest Bank and Trust Co. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 35% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Mid-Market
- - Credit Quality Pressure: Bottom 4% in Mid-Market
- - Liquidity Strain: Bottom 19% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.4B
+3.7% YoY
-1.6% QoQ
|
-$2.1B |
$10.5B
+2.9% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$6.8B
+1.3% YoY
+2.0% QoQ
|
-$289.5M |
$7.1B
+4.5% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$7.2B
+4.5% YoY
-1.8% QoQ
|
-$1.3B |
$8.5B
+3.0% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.26%
+16.5% YoY
+0.6% QoQ
|
+0.10% |
1.16%
+9.4% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.29%
+9.4% YoY
+0.5% QoQ
|
-0.11% |
3.40%
+7.9% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
58.35%
-7.7% YoY
-0.5% QoQ
|
+1.75% |
56.60%
-3.2% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.20%
+5.2% YoY
-51.9% QoQ
|
-0.48% |
0.68%
+12.0% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 15% in tier |
| Loan-to-Deposit Ratio ? |
95.03%
-3.1% YoY
+3.9% QoQ
|
+9.56% |
85.47%
+1.1% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
21.45%
-4.4% YoY
+4.6% QoQ
|
+0.81% |
20.64%
-0.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.45%
+9.9% YoY
-26.3% QoQ
|
-0.05% |
0.50%
+7.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
10.72%
-0.8% YoY
-5.4% QoQ
|
-2.83% |
13.55%
+1.8% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Bottom 12% in tier |
| Non-Interest Income / Assets ? |
1.07%
-4.5% YoY
+35.6% QoQ
|
+0.12% |
0.96%
+7.1% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#18 of 50 · Top 35% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.20%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (3)
Credit Risk Growth
risk
#1 of 87 · Bottom 1% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#6 of 113 · Bottom 4% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.20%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#16 of 80 · Bottom 19% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.03%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.68%
80
80th pctile
Non-Interest Income / Assets
Current: 1.07% · Tier avg: 0.96%
62
62th pctile
Total Loans
Current: $6.8B · Tier avg: $7.1B
58
58th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
54
54th pctile
Total Deposits
Current: $7.2B · Tier avg: $8.5B
50
50th pctile
Total Assets
Current: $8.4B · Tier avg: $10.5B
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.45% · Tier avg: 20.64%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
42
42th pctile
Efficiency Ratio
Current: 58.35% · Tier avg: 56.60%
38
38th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.40%
24
24th pctile
Loan-to-Deposit Ratio
Current: 95.03% · Tier avg: 85.47%
12
12th pctile
Tier 1 Capital Ratio
Current: 10.72% · Tier avg: 13.55%
Top Weaknesses
12
12th pctile
Tier 1 Capital Ratio
Current: 10.72% · Tier avg: 13.55%
24
24th pctile
Loan-to-Deposit Ratio
Current: 95.03% · Tier avg: 85.47%
38
38th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.40%
42
42th pctile
Efficiency Ratio
Current: 58.35% · Tier avg: 56.60%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.45% · Tier avg: 20.64%
50
50th pctile
Total Assets
Current: $8.4B · Tier avg: $10.5B
54
54th pctile
Total Deposits
Current: $7.2B · Tier avg: $8.5B
58
58th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
62
62th pctile
Total Loans
Current: $6.8B · Tier avg: $7.1B
80
80th pctile
Non-Interest Income / Assets
Current: 1.07% · Tier avg: 0.96%
85
85th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.68%