Univest Bank And Trust Co. Mortgage Rates, Fees & Info

Souderton, PA

LEI: 549300LBK5BTNFKZJD14

Tax ID: 23-1171580

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Univest Bank And Trust Co. is a smaller bank specializing in Home Purchase loans. Univest Bank And Trust Co. has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Lancaster, Allentown, Ocean City, and New York among others. We have data for 29 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Univest Bank And Trust Co. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Univest Bank And Trust Co. is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.98% 4/18/24
    30 Year Conventional Purchase 6.44% 4/18/24
    30 Year Conventional Refi 6.41% 4/18/24
    30 Year Cash-out Refi 6.61% 4/18/24
    30 Year FHA Purchase 7.08% 4/18/24
    30 Year FHA Refi 6.69% 4/18/24
    30 Year VA Purchase 6.11% 4/18/24
    30 Year USDA Purchase 6.58% 4/18/24
    15 Year Conventional Purchase 5.93% 4/18/24
    15 Year Conventional Refi 6.22% 4/18/24
    15 Year Cash-out Refi 6.22% 4/18/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Univest Bank And Trust Co. Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Univest Bank And Trust Co.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,030

    Origination Dollar Volume (All Markets)

    $475,390,000

    Employee count

    748

    Awards

    Univest Bank and Trust Co. FHA Loans silver Univest Bank and Trust Co. 30 Year Conventional Loans gold Univest Bank and Trust Co. FHA Loans silver Univest Bank and Trust Co. USDA Loans silver
    Show all (4) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1,462 $335,870,000 $229,733 $4,515 4.91%
    LANCASTER, PA (FHA|USDA|VA) 265 $51,645,000 $194,887 $4,213 4.92%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 129 $25,005,000 $193,837 $5,185 4.90%
    OCEAN CITY, NJ (FHA|USDA|VA) 33 $16,795,000 $508,939 $4,671 4.78%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 37 $14,425,000 $389,865 $5,615 4.86%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 7 $6,665,000 $952,143 $4,525 4.74%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 16 $5,870,000 $366,875 $3,710 5.18%
    READING, PA (FHA|USDA|VA) 24 $5,020,000 $209,167 $4,678 4.95%
    SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,775,000 $355,000 $4,679 4.18%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 9 $1,495,000 $166,111 $4,913 4.96%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $1,689 3.88%
    Outside of Metro Areas 4 $1,160,000 $290,000 $0 5.29%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $1,070,000 $535,000 $4,520 4.38%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $5,646 4.63%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $935,000 $187,000 $3,455 4.95%
    Pottsville, PA (FHA|USDA|VA) 3 $815,000 $271,667 $3,035 5.49%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 5 $785,000 $157,000 $5,001 4.38%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $620,000 $310,000 $5,263 4.56%
    YORK-HANOVER, PA (FHA|USDA|VA) 6 $590,000 $98,333 $3,556 5.28%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $490,000 $245,000 $0 5.12%
    LEBANON, PA (FHA|USDA|VA) 4 $410,000 $102,500 $5,274 4.94%
    Huntingdon, PA (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.00%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $335,000 $335,000 $4,985 4.75%
    TOLEDO, OH (FHA|USDA|VA) 1 $305,000 $305,000 $2,473 4.13%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,141 4.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,365 4.88%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $95,000 $95,000 $3,260 5.00%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $95,000 $95,000 $4,692 4.75%
    Lewistown, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.25%
    Univest Bank And Trust Co.'s top markets include Philadelphia, Lancaster, Allentown, Ocean City, and New York among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Univest Bank and Trust Co. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Neffs National Bank
    Similarity Rank: 30
    N C P D Federal Credit Union
    Similarity Rank: 55
    Bogota Savings Bank
    Similarity Rank: 63
    Iron Workers Savings Bank
    Similarity Rank: 63
    Union County Savings Bank
    Similarity Rank: 66
    GARDEN SAVINGS FEDERAL CREDIT UNION
    Similarity Rank: 80
    Haddon Savings Bank
    Similarity Rank: 116
    The Atlantic Federal Credit Union
    Similarity Rank: 120
    Freehold Savings Bank
    Similarity Rank: 120
    Blue Foundry Bank
    Similarity Rank: 125

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,250 $389,640,000 $311,712 $4,248 4.82%
    HELOC 664 $61,660,000 $92,861 n/a 5.13%
    FHA 98 $20,250,000 $206,633 $7,329 4.55%
    USDA 11 $2,065,000 $187,727 $5,368 4.30%
    VA 7 $1,775,000 $253,571 $8,273 4.55%

    For 2018, Univest Bank And Trust Co.'s most frequently originated type of loan was Conventional, with 1,250 originations. Their 2nd most popular type was HELOC, with 664 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,085 $314,685,000 $290,032 $4,745 4.85%
    Home Improvement 342 $35,880,000 $104,912 $2,078 5.14%
    Refi 296 $74,680,000 $252,297 $5,297 4.87%
    Cash Out Refi 154 $35,680,000 $231,688 $4,403 4.65%
    Other 153 $14,465,000 $94,542 $1,660 5.11%

    For 2018, Univest Bank And Trust Co.'s most frequently cited loan purpose was Home Purchase, with 1,085 originations. The 2nd most popular reason was Home Improvement, with 342 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 946 $258,090,000 $272,822 $4,884 4.66%
    Other 697 $118,175,000 $169,548 $1,496 5.14%
    5 Year 251 $69,915,000 $278,546 $58 5.16%
    15 Year 73 $12,955,000 $177,466 $2,917 4.82%
    20 Year 26 $5,610,000 $215,769 $3,937 4.50%
    10 Year 25 $4,815,000 $192,600 $990 5.30%
    1 Year 11 $5,615,000 $510,455 $0 6.00%
    3 Year 1 $215,000 $215,000 $0 4.50%

    For 2018, Univest Bank And Trust Co.'s most frequently cited loan duration was 30 Year, with 946 originations. The 2nd most popular length was Other, with 697 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 718 $181,880,000 $253,315
    $1k-2k 216 $44,730,000 $207,083
    $2k-3k 79 $16,785,000 $212,468
    $3k-4k 45 $17,985,000 $399,667
    $5k+ 14 $11,240,000 $802,857
    $4k-5k 13 $3,575,000 $275,000

    Univest Bank And Trust Co.'s average total fees were $4,884, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 718 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,295 $328,695,000 $253,819
    5-6% 569 $92,325,000 $162,258
    3-4% 93 $43,575,000 $468,548
    6-7% 73 $10,795,000 $147,877

    During 2018, Univest Bank And Trust Co.'s average interest rate for loans was 4.66%, while their most frequently originated rate bucket for loans was 4-5%, with 1,295 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 653 $93,805,000 $143,652 $4,014 4.91%
    $100,000 or less 583 $31,645,000 $54,280 $2,010 5.15%
    $200k-400k 583 $158,755,000 $272,307 $4,938 4.76%
    $400k-600k 136 $64,350,000 $473,162 $6,383 4.63%
    $600k-1MM 46 $32,570,000 $708,043 $7,725 4.69%
    $1MM+ 29 $94,265,000 $3,250,517 $12,680 4.53%

    2018 saw Univest Bank And Trust Co. place emphasis on $100k-200k loans with 653 originations, totaling $93,805,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 370 $71,800,000 $194,054 $4,688 4.89%
    $50k-75k 355 $52,885,000 $148,972 $4,223 4.85%
    $50k or less 327 $41,655,000 $127,385 $3,595 4.90%
    $150k-250k 290 $60,460,000 $208,483 $4,918 4.95%
    $75k-100k 268 $45,970,000 $171,530 $4,558 4.91%
    $250k+ 218 $85,430,000 $391,881 $6,040 4.78%

    Univest Bank And Trust Co. lent most frequently to those with incomes in the $100k-150k range, with 370 originations. The second most popular income band? $50k-75k, with 355 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 344 $65,270,000 $189,738 $4,257 4.82%
    30-36% 318 $61,710,000 $194,057 $4,589 4.88%
    <20% 168 $28,950,000 $172,321 $4,102 4.89%
    41% 87 $17,785,000 $204,425 $4,154 4.90%
    42% 80 $15,500,000 $193,750 $4,511 4.87%
    44% 77 $13,235,000 $171,883 $5,212 5.00%
    39% 75 $13,345,000 $177,933 $4,177 4.81%
    40% 69 $12,605,000 $182,681 $4,226 4.87%
    37% 64 $11,320,000 $176,875 $4,256 4.78%
    36% 64 $12,360,000 $193,125 $4,813 4.86%
    45% 61 $11,755,000 $192,705 $4,393 4.80%
    49% 57 $14,455,000 $253,596 $5,585 4.78%
    38% 56 $10,540,000 $188,214 $4,409 4.86%
    43% 55 $9,535,000 $173,364 $4,698 4.87%
    46% 45 $10,405,000 $231,222 $5,327 4.69%
    48% 43 $9,335,000 $217,093 $4,724 4.76%
    47% 31 $6,735,000 $217,258 $4,313 4.90%
    50-60% 31 $9,375,000 $302,419 $7,162 4.72%
    >60% 1 $205,000 $205,000 $0 4.75%

    Univest Bank And Trust Co. lent most frequently to those with DTI ratios of 20-30%, with 344 originations. The next most common DTI ratio? 30-36%, with 318 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,648 $320,210,000 $194,302 $4,532 4.87%
    Not applicable 146 $108,010,000 $739,795 $0 5.27%
    Asian 146 $32,250,000 $220,890 $4,835 4.80%
    Black 55 $7,875,000 $143,182 $4,425 5.16%
    Not provided 31 $6,135,000 $197,903 $4,982 5.16%
    Chinese 2 $430,000 $215,000 $5,962 4.81%
    Other Asian 1 $245,000 $245,000 $4,822 4.75%
    American Indian 1 $235,000 $235,000 $3,374 4.00%

    Approval Rates

    Total approvals of all applications
    88.70%

    Univest Bank And Trust Co. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.20%

    Univest Bank And Trust Co. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    3741.0 1 $225,000 $225,000
    NA 2,029 $475,165,000 $234,187

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $1,175,000 $391,667
    Multifamily:Site-Built 43 $73,965,000 $1,720,116
    Single Family (1-4 Units):Manufactured 1 $385,000 $385,000
    Single Family (1-4 Units):Site-Built 1,983 $399,865,000 $201,646

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 279 $33,785,000 $121,093 $2,412 5.03%
    40-60% 235 $64,785,000 $275,681 $4,292 4.88%
    60-80% 687 $236,005,000 $343,530 $4,540 4.87%
    80-100% 460 $119,460,000 $259,696 $5,328 4.70%
    Over 100% 5 $965,000 $193,000 $6,971 4.63%
    Under 20% 364 $20,390,000 $56,016 $321 5.16%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    UMPQUA HOLDINGS CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 11.1%
    UMPQUA HOLDINGS CORPORATION Conventional home mortgage Closing on a mortgage 1 11.1%
    UMPQUA HOLDINGS CORPORATION FHA mortgage Trouble during payment process 1 11.1%
    UMPQUA HOLDINGS CORPORATION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 11.1%
    UMPQUA HOLDINGS CORPORATION Home equity loan or line of credit (HELOC) Trouble during payment process 1 11.1%
    UMPQUA HOLDINGS CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 11.1%
    UMPQUA HOLDINGS CORPORATION Other type of mortgage Closing on a mortgage 1 11.1%
    UMPQUA HOLDINGS CORPORATION Other type of mortgage Struggling to pay mortgage 1 11.1%
    UMPQUA HOLDINGS CORPORATION Other type of mortgage Trouble during payment process 1 11.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Univest Bank and Trust Co. 1 Fitzwatertown Road Willow Grove, PA 19090 Full Service B&M $30,945
    Univest Bank and Trust Co. 1 Heritage Drive Gordonville, PA 17529 Full Service B&M $2,669
    Univest Bank and Trust Co. 10 West Broad Street Souderton, PA 18964 Full Service B&M $668,428
    Univest Bank and Trust Co. 1001 Valley Forge Road Lansdale, PA 19446 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 1041 York Road Warminster, PA 18974 Full Service B&M $59,507
    Univest Bank and Trust Co. 1135 Georgetown Road Christiana, PA 17509 Full Service B&M $2,148
    Univest Bank and Trust Co. 120 Forty Foot Rd Hatfield, PA 19440 Full Service B&M $223,260
    Univest Bank and Trust Co. 1290 Allentown Road Kulpsville, PA 19443 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 15 Swamp Road Newtown, PA 18940 Full Service B&M $37,545
    Univest Bank and Trust Co. 1536 S Broad Street Philadelphia, PA 19146 Full Service B&M $33,031
    Univest Bank and Trust Co. 16 Harbor Place Souderton, PA 18964 Full Service Cyber Office $162,188
    Univest Bank and Trust Co. 1642 Fairmount Avenue Philadelphia, PA 19130 Full Service B&M $9,968
    Univest Bank and Trust Co. 191 West State Street Doylestown, PA 18901 Full Service B&M $101,854
    Univest Bank and Trust Co. 195 East Butler Avenue Chalfont, PA 18914 Full Service B&M $41,701
    Univest Bank and Trust Co. 1950 John Fries Highway Milford Square, PA 18935 Full Service B&M $102,042
    Univest Bank and Trust Co. 200 N. High Street West Chester, PA 19380 Full Service B&M $21,436
    Univest Bank and Trust Co. 2000 Market St Ste 700 Philadelphia, PA 19103 Limited, Administrative $0
    Univest Bank and Trust Co. 2100 Route 152 Sellersville, PA 18960 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 216 Hartman Bridge Road Ronks, PA 17572 Full Service B&M $10,382
    Univest Bank and Trust Co. 23 W Highland Avenue Philadelphia, PA 19118 Full Service B&M $101,792
    Univest Bank and Trust Co. 235 North Washington Street Telford, PA 18969 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 2645 Street Road Bensalem, PA 19020 Full Service B&M $65,494
    Univest Bank and Trust Co. 2849 Big Road Frederick, PA 19435 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 2870 Shelly Road Harleysville, PA 19438 Full Service B&M $95,299
    Univest Bank and Trust Co. 321 Main Street East Greenville, PA 18041 Full Service B&M $52,781
    Univest Bank and Trust Co. 3601 Market Street Philadelphia, PA 19104 Full Service B&M $7,007
    Univest Bank and Trust Co. 380 Water Loop Drive Collegeville, PA 19426 Full Service B&M $63,793
    Univest Bank and Trust Co. 401 Rhawn Street Philadelphia, PA 19111 Full Service B&M $175,164
    Univest Bank and Trust Co. 415 Main Street Schwenksville, PA 19473 Full Service B&M $51,735
    Univest Bank and Trust Co. 4250 Oregon Pike Brownstown, PA 17508 Full Service B&M $67,634
    Univest Bank and Trust Co. 4258 Township Line Road Schwenksville, PA 19473 Full Service B&M $66,422
    Univest Bank and Trust Co. 4390 Davisville Road Hatboro, PA 19040 Full Service B&M $307,866
    Univest Bank and Trust Co. 500 Harleysville Pike Franconia, PA 18924 Full Service B&M $114,489
    Univest Bank and Trust Co. 5089 Hamilton Blvd Allentown, PA 18106 Full Service B&M $17,514
    Univest Bank and Trust Co. 545 Constitution Avenue Perkasie, PA 18944 Full Service B&M $90,497
    Univest Bank and Trust Co. 574 Main Street Bethlehem, PA 18018 Full Service B&M $3,228
    Univest Bank and Trust Co. 5829 Easton Road Plumsteadville, PA 18949 Full Service B&M $70,945
    Univest Bank and Trust Co. 5871 York Road Lahaska, PA 18931 Full Service B&M $61,701
    Univest Bank and Trust Co. 694 Dekalb Pike Blue Bell, PA 19422 Full Service B&M $88,954
    Univest Bank and Trust Co. 7226 Germantown Avenue Philadelphia, PA 19119 Full Service B&M $99,908
    Univest Bank and Trust Co. 728 Norristown Road Spring House, PA 19477 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 790 Pennsylvania 113 Souderton, PA 18964 Full Service B&M $197,686
    Univest Bank and Trust Co. 90 Willow Valley Lakes Drive Willow Street, PA 17584 Full Service B&M $66,600
    Univest Bank and Trust Co. 921 West Avenue Ocean City, NJ 8226 Full Service B&M $35,300
    Univest Bank and Trust Co. 940 Second Street Pike Richboro, PA 18954 Full Service B&M $106,363
    Univest Bank and Trust Co. 986 Bethlehem Pike Montgomeryville, PA 18936 Full Service B&M $89,094
    Univest Bank and Trust Co. 990 Bethlehem Pike Colmar, PA 18915 Full Service B&M $93,642

    For 2018, Univest Bank And Trust Co. had 47 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $190,457
    Net interest income $163,074
    Total noninterest income $60,430
    Gross Fiduciary activities income $7,882
    Service charges on deposit accounts $5,632
    Trading account gains and fees $0
    Additional Noninterest Income $46,916
    Pre-tax net operating income $66,243
    Securities gains (or losses, -) $10
    Income before extraordinary items $54,503
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $54,503
    Minority interest net income $0
    Net income $54,503
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $54,494

    Univest Bank And Trust Co.'s gross interest income from loans was $190,457,000.
    Univest Bank And Trust Co.'s net interest income from loans was $163,074,000.
    Univest Bank And Trust Co.'s fee based income from loans was $5,632,000.
    Univest Bank And Trust Co.'s net income from loans was $54,503,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $27,383
    Provision for credit losses $20,310
    Total noninterest expense $136,951
    Salaries and employee benefits $63,033
    Premises and equipment expense $13,526
    Additional noninterest expense $60,392
    Applicable income taxes $11,750
    Net charge-offs $12,501
    Cash dividends $22,359

    Univest Bank And Trust Co.'s interest expense for loans was $27,383,000.
    Univest Bank And Trust Co.'s payroll and benefits expense were $63,033,000.
    Univest Bank And Trust Co.'s property, plant and equipment expenses $13,526,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,964,829
    Deposits held in domestic offices $3,964,829
    Deposits by Individuals, partnerships, and corporations $3,545,360
    Deposits by U.S. Government $23
    Deposits by States and political subdivisions in the U.S. $418,975
    Deposits by Commercial banks and other depository institutions in U.S. $471
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $270,957
    Demand deposits $220,722
    Nontransaction accounts $3,693,872
    Money market deposit accounts (MMDAs) $2,259,786
    Other savings deposits (excluding MMDAs) $764,009
    Total time deposits $670,077
    Total time and savings deposits $3,744,107
    Noninterest-bearing deposits $192,328
    Interest-bearing deposits $3,772,501
    Retail deposits $3,598,861
    IRAs and Keogh plan accounts $117,466
    Brokered deposits $236,483
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,964,938
    Cash & Balances due from depository institutions $109,275
    Interest-bearing balances $47,847
    Total securities $472,382
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,978,964
    Loan and leases loss allowance $29,364
    Trading account assets $0
    Bank premises and fixed assets $53,994
    Other real estate owned $1,187
    Goodwill and other intangibles $184,549
    All other assets $164,587

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,964,938
    Total Liabilities $4,326,438
    Total deposits $3,964,829
    Interest-bearing deposits $3,772,501
    Deposits held in domestic offices $3,964,829
    % insured (estimated) $55
    Federal funds purchased and repurchase agreements $101,798
    Trading liabilities $0
    Other borrowed funds $233,300
    Subordinated debt $0
    All other liabilities $26,511

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,978,964
    Loan and leases loss allowance $29,364
    Total loans and leases (domestic) $4,008,328
    All real estate loans $2,740,021
    Real estate loans in domestic offices $2,740,021
    Construction and development loans $204,523
    Residential 1-4 family construction $70,228
    Other construction, all land development and other land $134,295
    Loans secured by nonfarm nonresidential properties $1,261,708
    Nonfarm nonresidential secured by owner-occupied properties $496,362
    Commercial real estate & other non-farm, non-residential $765,346
    Multifamily residential real estate $116,419
    1-4 family residential loans $931,347
    Farmland loans $226,024
    Loans held in foreign offices $0
    Farm loans $14,921
    Commercial and industrial loans $804,318
    To non-U.S. addressees $0
    Loans to individuals $32,687
    Credit card loans $0
    Related Plans $5,123
    Consumer Auto Loans $83
    Other loans to individuals $27,481
    All other loans & leases $416,381
    Loans to foreign governments and official institutions $0
    Other loans $3,669
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $10,703
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $542
    Non 1-4 family restructured loans & leases $382
    Total loans and leases (foreign) $0

    Univest Bank and Trust Co. had $3,978,964,000 of loans outstanding in 2018. $2,740,021,000 of loans were in real estate loans. $204,523,000 of loans were in development loans. $116,419,000 of loans were in multifamily mortgage loans. $931,347,000 of loans were in 1-4 family mortgage loans. $14,921,000 of loans were in farm loans. $0 of loans were in credit card loans. $83,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 894 $250,859 $280,603
    Nonfarm, nonresidential loans - <$100k 115 $5,213 $45,330
    Nonfarm, nonresidential loans - $100-250k 244 $31,864 $130,590
    Nonfarm, nonresidential loans - $250k-1MM 535 $213,782 $399,593
    Commercial & Industrial, US addressed loans - <$1MM 1,928 $150,682 $78,155
    Commercial & Industrial, US addressed loans - <$100k 1,131 $24,670 $21,813
    Commercial & Industrial, US addressed loans - $100-250k 366 $30,969 $84,615
    Commercial & Industrial, US addressed loans - $250k-1MM 431 $95,043 $220,517
    Farmland loans - <$1MM 508 $87,902 $173,035
    Farmland loans - <$100k 148 $6,347 $42,885
    Farmland loans - $100-250k 181 $26,531 $146,580
    Farmland loans - $250k-1MM 179 $55,024 $307,397
    Agriculture operations loans - <$1MM 316 $14,686 $46,475
    Agriculture operations loans - <$100k 264 $7,775 $29,451
    Agriculture operations loans - $100-250k 47 $5,491 $116,830
    Agriculture operations loans - $250k-1MM 5 $1,420 $284,000