Universal Bank
West Covina, CA
IDRSSD: 208570
Total Assets
$361.48M
Latest filing
Total Deposits
$265.84M
Latest filing
Net Interest Margin
3.20%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Universal Bank
3455 S Nogales St
West Covina, CA 91792
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/17/1954FDIC Certificate 43556
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Universal Bank (Main) | 3455 S Nogales St | West Covina, CA |
| EAGLE ROCK - BRANCH | 2575 Colorado Blvd | Los Angeles, CA |
| ROSEMEAD BRANCH | 3676 Rosemead Blvd | Rosemead, CA |
| ARCADIA BRANCH | 57 Wheeler Ave | Arcadia, CA |
| MONTEREY PARK BRANCH | 404 S Atlantic Blvd | Monterey Park, CA |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
American Continental Bank
City Of Industry, California
→
Assets: $359.20MΔ -0.5%
Murphy Bank
Fresno, California
→
Assets: $358.47MΔ -0.7%
Infinity Bank
Santa Ana, California
→
Assets: $337.07MΔ -6.6%
Community Commerce Bank
Claremont, California
→
Assets: $397.12MΔ +10.0%
Community Valley Bank
El Centro, California
→
Assets: $324.70MΔ -10.0%
Community Bank of Santa Maria
Santa Maria, California
→
Assets: $417.64MΔ +15.7%
Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 11/17/1954 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 91792 |
| State and County Number | 06037 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Los Angeles-Long Beach-Anaheim, CA |
Operational Info
| Number of Employees | 53 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | https://www.universalbank.com |
| Data Updated | 11/14/2025 |
| CERT | 30722 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $361.48M |
| Total Deposits | $265.84M |
| Total Liabilities | $294.82M |
| Total Equity Capital | $66.66M |
| Net Income | $444.00k |
| Net Loans and Leases | $276.23M |
| Assets Per Employee ($Millions) | $7.38M |
| Bank Premises and Fixed Assets | $4.71M |
| Cash and Balances due from Depository Institutions | $9.78M |
| Deposits Held in Domestic Offices | $265.84M |
Key Performance Ratios
| Return on Assets (ROA) | 0.49% |
| Return on Equity (ROE) | 2.68% |
| Net Interest Margin | 3.2% |
| Efficiency Ratio | 89.97% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.33% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.44% |
| Earning Assets to total Assets | 91.85% |
Income and Expense
| Total Interest Income | $4.72M |
| Total Noninterest Income | $179.00k |
| Total Interest Expense | $2.07M |
| Total Noninterest Expense | $2.55M |
| Net Interest Income | $2.65M |
| Pre-tax Net Operating Income | $584.00k |
| Provision for Credit Losses | $-300,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.98M |
| Total Liabilities and Capital | $361.48M |
Securities
| Securities | $49.26M |
| Available-for-sale debt securities | $48.18M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.08M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Universal Bank?
$361.48M as of the latest filing.
How much are Universal Bank's total deposits?
$265.84M in total deposits.
Where is Universal Bank located?
West Covina, CA.
What is the Net Interest Margin?
3.20%.
How many domestic offices does it operate?
5.
When was it established?
11/17/1954.
What is the Return on Assets (ROA)?
0.49%.
How much are total loans and leases?
$276.23M (latest filing).
What is the total interest income (latest filing)?
$4.72M.