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The Lender Report built this page from public records. Univest Bank and Trust Co. has not reviewed it. Every lender's page starts this way, and it says nothing about Univest Bank and Trust Co. itself. Each figure shows its source and date. Work at Univest Bank and Trust Co.? You can claim this page for free.

Bank, Souderton, PA

Univest Bank and Trust Co.

A bank based in Souderton, PA. Its commercial book is led by non-owner-occupied CRE and C&I. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.

Kind
Bank
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$4.90B
FDIC call report,
Holds, not loans made
Multifamily loans made, 2025
51
HMDA,
HMDA, 5 or more units
SBA loans, 36 months
172
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$8.17B
FDIC call report,
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How to reach them

Each line shows where it came from

Phone
The FDIC record has no phone number. Try the lender's website.
Website
www.univest.netFrom the FDIC record, November 9, 2026.
Names it files under
Univest Bank and Trust Co.; Univest Bank and Trust CoFDIC institution record,
Address
790 Route 113, Souderton, PA 18964FDIC institution record,
Regulator record
FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. Univest Bank and Trust Co. originated 51 multifamily loans in 2025, versus 23 in 2024. HMDA,

What the public record shows, newest first
WhenWhat the record showsSource
Oct 2023 to Sep 2026 SBA 7(a) approvals by processing method: 113 under Preferred Lender authority, 46 SBA Express.SBA ProcessingMethod field, net of cancellations. SBA FOIA,
Fiscal 2026 The holding company reported a balance of $901.7M still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. SEC 10-Q and 10-K filings,
Jun 2025 to Jun 2026 Non-owner-occupied CRE balance rose 2.6% to $1.6B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Commercial and industrial balance rose 1.1% to $970.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Owner-occupied CRE balance rose 7.6% to $943.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Unused commitments on commercial real estate rose 9.9% to $285.7M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. FDIC call report
2024 Reported making 754 small business loans totaling $211.2M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. FFIEC CRA disclosure data

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Univest Bank and Trust Co.Newest first
PeriodPlaceLoanAmountRateTermLTVSource
Sep 2026MarylandSBA 7(a), Outpatient Mental Health and Substance Abuse Centers$3.8M9%10 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Beer and Ale Merchant Wholesalers$2.3M9%25 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Beer and Ale Merchant Wholesalers$1.8M8.75%25 yrSBA FOIA
Sep 2026MarylandSBA 7(a), Wholesale Trade$1.8M9%10 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors$1.7M9%14 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), All Other Plastics Product Manufacturing$1.6M9%10 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Child Care Services$1.1M9%10 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Veterinary Services$970K9%25 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Pet Care (except Veterinary) Services$900K9.5%10 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Beer and Ale Merchant Wholesalers$690K9%10 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), All Other Professional, Scientific, and Technical Services$350K9.75%10 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Child Care Services$200K9.25%10 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Beer and Ale Merchant Wholesalers$200K7.75%10 yrSBA FOIA
May 2026PennsylvaniaSBA 504, Professional, Scientific, and Technical Services$1.2M25 yrSBA FOIA
2025Luzerne County, PAPurchase, 5 to 24 units$1.5M7.35%5 yr72%HMDA 2025
2025Lackawanna County, PAPurchase, 5 to 24 units$1.3M7.5%5 yr75%HMDA 2025
2025York County, PARefinance, 5 to 24 units$580K7.25%3 yr74%HMDA 2025
2025Berks County, PARefinance, 5 to 24 units$300K7.25%10 yr71%HMDA 2025
2025Lebanon County, PAPurchase, 25 to 49 units$2.2M7.13%10 yr65%HMDA 2025
2025Berks County, PAPurchase, 5 to 24 units$440K7.25%10 yr80%HMDA 2025
2025Centre County, PAPurchase, 25 to 49 units$360K6.99%10 yr8%HMDA 2025
2025Cumberland County, PAPurchase, 25 to 49 units$2.6M6.39%10 yr19%HMDA 2025
Nov 2025PennsylvaniaSBA 504, Retail Trade$820K25 yrSBA FOIA
Mar 2025PennsylvaniaSBA 504, Offices of Lawyers$220K25 yrSBA FOIA
Apr 2024PennsylvaniaSBA 504, Child Care Services$2.6M25 yrSBA FOIA
163 SBA 7(a) loans since October 2023, net of cancelled$119MSBA FOIA

A blank means the source did not report it.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over year
Multifamily$395M5.6%+16.7%
Construction and land development$327M4.6%+9.0%
Owner-occupied CRE$943M13.4%+7.6%
Non-owner-occupied CRE$1.56B22.1%+2.6%
Farmland$708M10.0%+7.5%
Commercial and industrial$970M13.8%+1.1%
Commercial total$4.90B
FDIC call report,

Reference only: $1.71B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$4.56B
Q4 2023$4.49B
Q1 2024$4.48B
Q2 2024$4.55B
Q3 2024$4.58B
Q4 2024$4.65B
Q1 2025$4.66B
Q2 2025$4.65B
Q3 2025$4.63B
Q4 2025$4.76B
Q1 2026$4.80B
Q2 2026$4.90B
FDIC call reports,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units202551$80.4M$655K$17MHMDA,
Multifamily, 5 or more units202423$25.5M$485KHMDA,
1-4 unit investor or business purpose2025351$87.7M$195KHMDA,
SBA 7(a), net of cancelled36 months to Sep 2026163$119M$350K$4.6MSBA FOIA,
SBA 7(a), net of cancelled12 months to Sep 202655$43.7MSBA FOIA,
SBA 504 first lien, net of cancelled36 months to Sep 20269$14.3M$1.16M$3.3MSBA FOIA,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.

SBA loans by industry, 36 months
IndustryLoansDollars
Limited-Service Restaurants10$4.40M
Fitness and Recreational Sports Centers9$3.64M
Child Care Services8$6.86M
Full-Service Restaurants8$5.97M
Manufacturing6$3.75M
Beer and Ale Merchant Wholesalers5$5.16M
Plumbing, Heating, and Air-Conditioning Contractors5$3.71M
Beauty Salons5$1.29M
SBA FOIA,

Other lenders in these fields: SBA lenders for restaurants, SBA lenders for gyms and fitness businesses, SBA lenders for child care businesses.

Programs on record: Federal Home Loan Bank member, Pittsburgh district (FHFA).

Small business loans reported under CRA

FFIEC CRA, 2024

  • Univest Bank and Trust Co. reported making 754 small business loans totaling $211,239,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 295 of $100,000 or less, 175 over $100,000 up to $250,000, 284 over $250,000 up to $1 million.
  • 223 of them, totaling $48,175,000, went to businesses with revenue of $1 million or less.
  • Univest Bank and Trust Co. reported making 456 small farm loans totaling $72,134,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 240 of $100,000 or less, 106 over $100,000 up to $250,000, 110 over $250,000 up to $500,000.
  • 435 of them, totaling $67,103,000, went to farms with revenue of $1 million or less.
Counties with 5 or more small business loans in 2024. Other counties, each under 5 loans: 59 loans, $24,466,000.
CountyLoansTotal
Montgomery County, PA245$47.8M
Lancaster County, PA140$33.2M
Bucks County, PA122$41.2M
Chester County, PA44$14.9M
Philadelphia County, PA43$14.9M
Northampton County, PA18$4.62M
Delaware County, PA15$7.07M
Lehigh County, PA14$4.36M
Allegheny County, PA11$6.11M
Burlington County, NJ9$2.60M
FFIEC CRA disclosure data,
Counties with 5 or more small farm loans in 2024. Other counties, each under 5 loans: 29 loans, $5,668,000.
CountyLoansTotal
Lancaster County, PA324$50.0M
Chester County, PA44$6.58M
York County, PA33$4.46M
Cecil County, MD8$1.84M
Adams County, PA8$2.00M
Berks County, PA5$723K
Dauphin County, PA5$820K
FFIEC CRA disclosure data,

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: RSSD (respondent ID) + transmittal RSSD.

Undrawn commitments

FFIEC Call Report, June 30, 2026

  • Univest Bank and Trust Co. reported commitments to fund construction loans that had not been drawn at June 30, 2026: $80,108,000 for 1-4 family residential construction and $205,396,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
  • Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $996,864,000. These are credit lines not yet used.

FFIEC Call Report,

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amountLoansHolds
$100,000 or less1,081$22.3M
Over $100,000 up to $250,000399$26.9M
Over $250,000 up to $1 million511$100M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by nonfarm nonresidential property, by original amount
Original amountLoansHolds
$100,000 or less67$1.85M
Over $100,000 up to $250,000205$24.6M
Over $250,000 up to $1 million620$259M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by farmland, by original amount
Original amountLoansHolds
$100,000 or less281$7.73M
Over $100,000 up to $250,000222$25.1M
Over $250,000 up to $500,000342$99.2M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Agricultural production loans, by original amount
Original amountLoansHolds
$100,000 or less558$11.1M
Over $100,000 up to $250,00083$7.18M
Over $250,000 up to $500,00023$4.50M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
Pennsylvania HQ48473261219
Maryland227220
New Jersey1213140
Delaware00050
Florida00300
District of Columbia00010
Ohio00100
Virginia00100
FDIC office list, HMDA, SBA FOIA,
Counties with the most recorded loans (5 or more)
CountyRecorded loansDollars
Lancaster County, PA17$12.7M
York County, PA10$16.8M
Allegheny County, PA7$8.77M
Dauphin County, PA7$7.20M
HMDA, SBA FOIA,
Metro areas with the most recorded loans (5 or more)
MetroRecorded loansDollars
Lancaster, PA17$12.7M
York-Hanover, PA10$16.8M
Harrisburg-Carlisle, PA10$10.9M
Pittsburgh, PA8$9.11M
Montgomery County-Bucks County-Chester County, PA7$12.8M
HMDA, SBA FOIA,

Offices by county

FDIC Summary of Deposits, June 30, 2026

  • Univest Bank and Trust Co. has 49 offices in 15 counties and 3 states (FDIC Summary of Deposits, June 30, 2026): 38 full service and 11 limited service.
Counties with the most offices
CountyFull-service officesLimited-service offices
Montgomery County, PA910
Bucks County, PA80
Philadelphia County, PA51
Lancaster County, PA50
Baltimore County, MD10
Baltimore city, MD10
Cape May County, NJ10
Allegheny County, PA10
Berks County, PA10
Butler County, PA10
Chester County, PA10
Cumberland County, PA10
Lehigh County, PA10
Northampton County, PA10
York County, PA10
FDIC Summary of Deposits,

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Estimated largest single loan$130M$87.4M to $222M across 8 peersEstimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.FDIC call report, 12 CFR 32.3, Jun 30, 2026
CRE to capital263.5%167.6% to 327.9% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.FDIC call report,
Construction to capital37.8%37.9% to 77.0% across 8 peersConstruction loans divided by tier 1 capital plus allowance.FDIC call report,
Loans to deposits100.2%89.0% to 99.2% across 8 peersTotal loans divided by total deposits.FDIC call report,
Unused CRE commitments$286M$197M to $887M across 8 peersCommitments to lend on commercial real estate that are not yet drawn, up 9.9% from a year earlier.FDIC call report,
Loans to assets86.4%73.4% to 82.4% across 8 peersTotal loans divided by total assets.FDIC call report,

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Loan channel and SBA processing

Public record only

Preferred Lender authority
113 loans (69.3%)
SBA Express
46 loans
Approval to first disbursement
35 days, median of 127

SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
LenderStateTotal assetsCommercial book
CNB BankPA$8.41B$4.00B
Mid Penn BankPA$7.04B$4.18B
Peoples Security Bank and Trust CompanyPA$5.43B$3.01B
Orrstown BankPA$5.61B$3.00B
S&T BankPA$9.94B$5.16B
First Commonwealth BankPA$12.2B$5.42B
Firstrust Savings BankPA$5.62B$3.41B
Dollar Bank, Federal Savings BankPA$12.7B$4.02B
FDIC call report,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • How much of its book it made recently. Call reports carry balances, not loans made.
  • Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
  • How its 1-4 family loans divide between owner-occupied and investor.
  • Whether it takes brokers. No figure here means no evidence, not a refusal.

Check this page

Against the regulator's own record

  1. Name and charter. Univest Bank and Trust Co., FDIC certificate 7759. Compare it with the regulator's record. [FDIC BankFind]
  2. Balances. $8.17B in total assets and $4.90B in commercial loans held, from the call report for June 30, 2026. [Source]
  3. Loans made. 597 recorded loans from HMDA and SBA files, through September 30, 2026: 51 HMDA multifamily 2025, 23 HMDA multifamily 2024, 351 HMDA 1-4 unit investor 2025, 163 SBA 7(a) in 36 months, 9 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Univest Bank and Trust Co.]
  4. Phone and website. No phone number is on record. Website univest.net, from the FDIC record. [How to reach them]
  5. Small business loans reported under CRA. 754 small business loans reported in its CRA filing for 2024. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
Federal Reserve
FDIC certificate
7759
RSSD
354310
LEI
549300LBK5BTNFKZJD14
The Lender Report ID
lr_000249
FDIC classifies this bank as
Commercial Lending Specialization
Ownership
Stock
Head office metro area
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

  • Reported $8.2B in total assets as of June 30, 2026 (FDIC call report).
  • Held $4.9B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $1.6B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 2.6% from a year earlier (FDIC call report).
  • Held $970.4M of commercial and industrial loans as of June 30, 2026, up 1.1% from a year earlier (FDIC call report).
  • Held $943.1M of owner-occupied commercial real estate loans as of June 30, 2026, up 7.6% from a year earlier (FDIC call report).
  • Originated 51 multifamily loans totaling $80.4M in 2025 (HMDA).
11 more sentences
  • Originated 23 multifamily loans totaling $25.5M in 2024 (HMDA).
  • Originated 351 1-4 unit investor or business-purpose loans totaling $87.7M in 2025 (HMDA).
  • Recorded 182 SBA 7(a) approvals totaling $129M from October 1, 2023 to September 30, 2026, of which 19 were later cancelled (SBA).
  • Provided the first lien on 9 SBA 504 projects with $14.3M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
  • Listed 51 offices in 3 states (FDIC).
  • Reported making 754 small business loans totaling $211.2M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Reported making 456 small farm loans totaling $72.1M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • UNIVEST FINANCIAL Corp reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $901.7M of loans originated in fiscal 2026 (SEC filing).
  • Held 1,991 commercial and industrial loans that were $1 million or less when made, with a balance of $149.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Held 892 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $285.2M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $80.1M for 1-4 family and $205.4M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.

Cite this

Source: The Lender Report, Univest Bank and Trust Co., https://lender.report/lender/univest-bank-and-trust-pa/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

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Work at Univest Bank and Trust Co.? Claim this page, free.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem