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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
Deposits +4.7% year over year ($7.0B on the books).
Delinquency rate 0.63%.
Return on assets 1.28%.
Efficiency ratio 60.13% vs a 59.73% peer average.
Loan-to-deposit ratio 98.97% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (PA) →

Univest Bank and Trust Co. has 1 strength but faces 6 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

+ Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 20.4% in tier
- Capital Thin: Bottom 26.6% in tier
- Liquidity Strain: Bottom 36.0% in tier
- ROA 0.11% below tier average
- Net Interest Margin 0.39% below tier average
- Efficiency Ratio 0.41% above tier average

Get updates when Univest Bank and Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$8.2B +3.2% YoY +0.8% QoQ	+$5.4B	$2.8B -0.6% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	Top 4.1% in tier
Total Loans ?	$7.0B +3.5% YoY +1.4% QoQ	+$5.0B	$2.0B -0.3% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	Top 1.1% in tier
Total Deposits ?	$7.0B +4.7% YoY +1.7% QoQ	+$4.7B	$2.3B -0.5% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	Top 3.3% in tier
Return on Assets ?	1.28% +6.8% YoY -3.6% QoQ	-0.11%	1.39% +17.0% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	52%
Net Interest Margin ?	3.48% +6.4% YoY +2.6% QoQ	-0.39%	3.87% +6.2% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	35%
Efficiency Ratio ?	60.13% +2.0% YoY +0.4% QoQ	+0.41%	59.73% -12.6% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	47%
Delinquency Rate ?	0.63% +51.9% YoY +103.4% QoQ	-0.23%	0.87% +11.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	42%
Loan-to-Deposit Ratio ?	98.97% -1.2% YoY -0.2% QoQ	+13.93%	85.04% -0.1% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	22.29% -6.3% YoY -2.6% QoQ	+1.02%	21.27% -1.5% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	61%
Nonperforming Asset Ratio ?	0.77% +20.8% YoY +37.6% QoQ	+0.10%	0.67% +11.7% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	29%
Tier 1 Capital Ratio ?	10.76% -3.2% YoY -0.7% QoQ	-4.09%	14.84% -0.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	Bottom 14.2% in tier
Non-Interest Income / Assets ?	0.53% -6.6% YoY +75.1% QoQ	+0.01%	0.53% +2.5% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	82%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	22.3% -1.5pp YoY -0.6pp QoQ	+0.9pp	21.4%	18.7%	22.2%	61%
Brokered Deposits	8.2% +2.1pp YoY +1.7pp QoQ	-1.2pp	9.5%	6.8%	8.5%	62%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	13.9% -0.3pp YoY +0.4pp QoQ	-0.1pp	14.0%	8.6%	12.5%	64%
CRE	46.2% +1.2pp YoY -0.2pp QoQ	-3.8pp	50.0%	37.9%	41.4%	40%
1-4 Family	24.5% -1.2pp YoY -0.4pp QoQ	-1.9pp	26.4%	47.8%	31.3%	54%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	3.8%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	10.8% -0.3pp YoY -0.1pp QoQ	-4.8pp	15.6%	22.3%	19.7%	6%
Leverage Ratio	9.7% -0.1pp YoY +0.2pp QoQ	-1.6pp	11.3%	13.2%	12.6%	29%
Total Capital Ratio	12.0% -0.4pp YoY -0.1pp QoQ	-4.7pp	16.7%	23.3%	20.8%	8%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	869 +20 (+2.4%) YoY +18 (+2.1%) QoQ	+555	313	299	482	95%
Assets per Employee ($)	$9.4M +0.8% YoY -1.3% QoQ	-$1.1M	$10.5M	$9.2M	$8.8M	59%
Branch Count	51 0 YoY 0 QoQ	+31	20	20	18	94%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.2%	0.2%	0.4%	16%
Nonaccrual	0.6% +0.2pp YoY +0.4pp QoQ	-0.2pp	0.8%	0.9%	1.0%	59%
Allowance Coverage	2.04x -34.2% YoY -51.0% QoQ	-16.67x	18.71x	3.63x	20.23x	50%
Net Charge-off Rate (YTD)	0.1% -0.2pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	66%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	11.5% +0.9pp YoY -0.5pp QoQ	-1.1pp	12.6%	10.2%	11.6%	45%
Cost of Funds (YTD)	2.1% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.8%	1.7%	67%
Net Income ($, YTD)	$52.7M +10.0% YoY — QoQ	+$33.5M	$19.2M	$18.2M	$40.4M	94%

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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

#83 of 402 • Bottom 20.4% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Capital Thin

risk

#60 of 222 • Bottom 26.6% 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: 10.76%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Liquidity Strain

risk

#131 of 361 • Bottom 36.0% 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: 98.97%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Total Loans

size

Value: $6.97B

Peer Median: $1.96B

#11 of 885 Top 1.1% in $1B-$10B

Total Deposits

size

Value: $7.04B

Peer Median: $2.32B

#30 of 885 Top 3.3% in $1B-$10B

Total Assets

size

Value: $8.17B

Peer Median: $2.79B

#37 of 885 Top 4.1% in $1B-$10B

156

Non-Interest Income / Assets

revenue_mix

Value: 0.53%

Peer Median: 0.53%

#156 of 885 Top 17.5% in $1B-$10B

Top Weaknesses (2 metrics)

760

Tier 1 Capital Ratio

capital

Value: 10.76%

Peer Median: 14.84%

#760 of 885 Bottom 14.2% in $1B-$10B

738

Loan-to-Deposit Ratio

liquidity

Value: 98.97%

Peer Median: 85.04%

#738 of 885 Bottom 16.7% in $1B-$10B