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Data through Q3 2026 · 4,200 institutions
Regulatory profile
West Covina, CA · FDIC certificate #30722
UNIVERSAL BANK is an FDIC-insured institution based in West Covina, CA (FDIC certificate #30722). In its Q3 2026 Call Report it reported total assets of $386M, total deposits of $273M and net loans of $255M. Its primary federal regulator is OCC.
Reported facts
UNIVERSAL BANK (FDIC certificate #30722) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $386M |
|---|---|
| Total deposits | $273M |
| Net loans and leases | $255M |
| Return on assets | 0.38% |
| Return on equity | 2.20% |
| Net interest margin | 3.04% |
| Quarterly asset change | -0.60% |
| Quarterly deposit change | -0.59% |
Plain-language readout
UNIVERSAL BANK in West Covina, CA reported total assets of $386M, total deposits of $273M and net loans of $255M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 0.38%, a return on equity of 2.20%, a net interest margin of 3.04%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $386M | $273M | $255M | 0.38% | 2.20% | 3.04% |
| Q2 2026 | $388M | $275M | $259M | 0.36% | 2.01% | 3.00% |
| Q1 2026 | $373M | $279M | $254M | 0.38% | 2.11% | 2.98% |
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