BlastPoint's Banking Scorecard

Univest Bank and Trust Co.

$1B-$10B Specialty: Commercial PA FDIC cert 7759

Souderton, PA

51 branches across PA · MD · NJ

884 banks in the $1B-$10B peer group nationally 37 in PA

Univest Bank and Trust Co. has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 1.17% below tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 6.0% in tier
- Capital Thin: Bottom 20.4% in tier
- Liquidity Strain: Bottom 28.4% in tier
- Net Interest Margin 0.43% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$8.1B +2.0% YoY -3.5% QoQ	+$5.3B	$2.8B -0.1% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Top 4.5% in tier
Total Loans ?	$6.9B +1.6% YoY +0.3% QoQ	+$4.9B	$2.0B +0.6% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	Top 1.5% in tier
Total Deposits ?	$6.9B +2.0% YoY -3.9% QoQ	+$4.6B	$2.3B -0.3% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Top 3.7% in tier
Return on Assets ?	1.33% +8.9% YoY +5.4% QoQ	-0.04%	1.37% +19.6% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	3.39% +6.6% YoY +3.1% QoQ	-0.43%	3.82% +6.9% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	59.89% -0.0% YoY +2.6% QoQ	-1.17%	61.06% -4.6% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	0.31% +83.6% YoY +53.8% QoQ	-0.58%	0.89% +14.1% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	99.18% -0.4% YoY +4.4% QoQ	+14.98%	84.20% +0.3% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	15%
Non-Interest-Bearing Deposit Share ?	22.89% -0.6% YoY +6.7% QoQ	+1.60%	21.29% -2.5% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.56% +31.5% YoY +24.7% QoQ	-0.11%	0.67% +15.6% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	10.83% -0.9% YoY +1.0% QoQ	-4.33%	15.16% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Bottom 14.3% in tier
Non-Interest Income / Assets ?	0.30% +4.7% YoY -71.6% QoQ	+0.05%	0.26% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Top 12.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#26 of 420 • Bottom 6.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Capital Thin

risk

#46 of 221 • Bottom 20.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.83%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#96 of 334 • Bottom 28.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.18%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

Total Loans

size

Value: $6.87B

Peer Median: $1.96B

#14 of 884 Top 1.5% in $1B-$10B

Total Deposits

size

Value: $6.92B

Peer Median: $2.34B

#34 of 884 Top 3.7% in $1B-$10B

Total Assets

size

Value: $8.11B

Peer Median: $2.82B

#41 of 884 Top 4.5% in $1B-$10B

114

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 0.26%

#114 of 884 Top 12.8% in $1B-$10B

Top Weaknesses (2 metrics)

759

Tier 1 Capital Ratio

capital

Value: 10.83%

Peer Median: 15.16%

#759 of 884 Bottom 14.3% in $1B-$10B

749

Loan-to-Deposit Ratio

liquidity

Value: 99.18%

Peer Median: 84.20%

#749 of 884 Bottom 15.4% in $1B-$10B