Universal Bank

BankWest Covina, California
https://www.universalbank.com

Total Assets

$371.2M

Total Deposits

$275.4M

Branches

5

Established

1954

TFS Health Grade

$
D-

61.1 / 100

Below average financial health

How we grade

Universal Bank is a bank headquartered in West Covina, California, established in 1954. With $371.2M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D- (61.1/100).

Capital & Safety

Tier 1 Capital Ratio
18.21%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
3.57%

Profitability

Return on Assets (ROA)
0.39%(1%)
Return on Equity (ROE)
2.12%(10%)
Net Interest Margin
3.13%
Efficiency Ratio
90.25%(60%)

Lending & Liquidity

Total Loans
$266.1M
Loan-to-Deposit Ratio
95.62%
Net Charge-Off Ratio
-0.01%

Growth

Asset Growth (YoY)
+4.16%
Deposit Growth (YoY)
+13.87%
Net Income
$1.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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