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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
Deterministic ratios for UNIVERSAL BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $273M |
|---|---|
| Net loans and leases | $255M |
Plain-language readout
UNIVERSAL BANK in West Covina, CA funds its loans with $273M of deposits and holds $255M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for UNIVERSAL BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 93.31% in Q3 2026, against 91.16% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $255M | $273M | 93.31% |
| Q2 2026 | $259M | $275M | 94.06% |
| Q1 2026 | $254M | $279M | 91.16% |