Total Assets
$371M
Total balance-sheet footings
FDIC Cert #30722 · West Covina, California · Est. 1954
Universal Bank - FDIC Bank Health Profile
A community-scale look at Universal Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $371M
- Total assets
- C
- Health grade · Fair
- 0.39%
- Return on assets
- 18.2%
- Tier 1 capital
Data updated July 2026
The verdict
Universal Bank earns a PlainBankData health grade of C (63/100), with well-capitalized at 18.21% Tier 1, 0.39% ROA, 90% efficiency ratio.
- #2,190
- largest of 4,313 FDIC banks by assets
- 49th
- percentile by asset size, nationally
- 18.21%
- Tier 1 ratio - above the 10% well-capitalized line
- 12th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Universal Bank's 63/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Universal Bank's composite health score
Tier 1 Capital Ratio (18.21%) 40/40
Return on Assets (ROA) (0.39%) 7/25
Texas Ratio (13.61%) 16/20
Efficiency Ratio (90.25%) 0/15
63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$275M
Customer-funded liabilities
Net Loans
$263M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Universal Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Universal Bank's score of 63/100 falls in the highlighted band.
Universal Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Universal Bank's $371M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.21% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.21%
Texas Ratio
13.61%
Equity Capital
$67M
Profitability metrics
Return on Assets (ROA)
12th percentile nationally
0.39%
Return on Equity (ROE)
2.12%
Efficiency Ratio
90.25%
What the numbers say about Universal Bank
Universal Bank is an FDIC-insured institution (Certificate #30722) headquartered in West Covina, California, established in 1954. It holds $371M in total assets - 2,190th of 4,313 FDIC-insured banks, $275M in customer deposits, and $263M in net loans. Its capital position: a Tier 1 ratio of 18.21%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 13.61% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (63 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Universal Bank sits 94th of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$19M
Interest Income
$750K
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Universal Bank reports a Texas Ratio of 13.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.61% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Universal Bank (FDIC Cert #30722) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Universal Bank's health grade?▼
Universal Bank receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Universal Bank?▼
Universal Bank holds $371M in total assets and $275M in deposits, ranking 2,190th of 4,313 FDIC-insured banks by asset size. It is headquartered in West Covina, California.
Is my money safe at Universal Bank?▼
Yes, deposits at Universal Bank (Certificate #30722) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Universal Bank's Tier 1 Capital Ratio?▼
Universal Bank has a Tier 1 Capital Ratio of 18.21%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Universal Bank?▼
Universal Bank has a Texas Ratio of 13.61%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Universal Bank?▼
Universal Bank has an Efficiency Ratio of 90.25%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Universal Bank's profile as a depositor or analyst.
- Universal Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Universal Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.