# UNIVERSAL BANK
WEST COVINA, CA · FDIC certificate 30722 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $388.0M | |
| Deposits | $275.1M | |
| Loans and leases | $261.6M | |
| Total equity | $66.8M | |
| Loans / deposits | 94.06% (p80 of band) | 82.04% |
| Liquid assets / assets | 26.76% (p55 of band) | |
| Uninsured deposits / deposits | 13.71% (p10 of band) | 25.97% |
| Brokered deposits | 12.23% | |
| Wholesale funding | 22.28% (p95 of band) | |
| FHLB advances / assets | 10.05% | |
| Tier 1 leverage | 17.80% (p95 of band) | 10.81% |
| Unrealized securities loss / equity | -2.67% (p74 of band) | -8.10% |
| AOCI / equity | -1.53% (p12 of band) | |
| ROA (annualized) | 0.36% (p8 of band) | 1.28% |
| Net interest margin | 3.00% (p10 of band) | 3.91% |
| Efficiency ratio | 83.38% (p91 of band) | |
| Noncurrent loans | 3.74% (p96 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 28.87% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 1 |  | liquid assets <10% |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 7 | losing money, noncurrent p90, charge-offs p90 |  |
| 2012-09 | 7 |  |  |
| 2012-12 | 7 |  |  |
| 2013-03 | 6 | expense ratio p90 | noncurrent p90, charge-offs p90 |
| 2013-06 | 7 | noncurrent p90 |  |
| 2013-09 | 5 |  | uninsured deposits leaving, losing money |
| 2013-12 | 3 |  | reserve under noncurrent, noncurrent p90 |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | assets shrinking |
| 2014-09 | 3 | loans exceed deposits |  |
| 2014-12 | 4 | uninsured deposits leaving |  |
| 2015-03 | 1 |  | deposits shrinking, loans exceed deposits, uninsured deposits leaving |
| 2015-06 | 2 | loans exceed deposits |  |
| 2015-09 | 1 |  | expense ratio p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | expense ratio p90 |  |
| 2016-06 | 1 | capital falling | loans exceed deposits, expense ratio p90 |
| 2016-09 | 1 | expense ratio p90 | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | expense ratio p90, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | capital falling, expense ratio p90 |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | expense ratio p90 |
| 2020-03 | 4 | loans exceed deposits, expense ratio p90, deposits shrinking, uninsured deposits leaving | capital falling |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 | capital falling | uninsured deposits leaving |
| 2020-12 | 3 |  | loans exceed deposits |
| 2021-03 | 2 | loans exceed deposits | deposits shrinking, capital falling |
| 2021-06 | 1 |  | loans exceed deposits |
| 2021-09 | 4 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | uninsured deposits leaving |  |
| 2022-12 | 4 |  | uninsured deposits leaving |
| 2023-03 | 5 | wholesale funding >15%, uninsured deposits leaving | assets shrinking |
| 2023-06 | 5 | liquid assets <10% | wholesale funding >15% |
| 2023-09 | 3 | wholesale funding >15% | deposits shrinking, uninsured deposits leaving, liquid assets <10% |
| 2023-12 | 5 | capital falling, uninsured deposits leaving |  |
| 2024-03 | 3 |  | capital falling, uninsured deposits leaving |
| 2024-06 | 2 |  | expense ratio p90 |
| 2024-09 | 1 |  | wholesale funding >15% |
| 2024-12 | 3 | expense ratio p90, deposits shrinking |  |
| 2025-03 | 3 | wholesale funding >15% | deposits shrinking |
| 2025-06 | 9 | brokered >10%, capital falling, noncurrent p90, reserve under noncurrent, assets shrinking, uninsured deposits leaving |  |
| 2025-09 | 7 |  | capital falling, assets shrinking |
| 2025-12 | 5 |  | loans exceed deposits, uninsured deposits leaving |
| 2026-03 | 4 |  | expense ratio p90 |
| 2026-06 | 5 | expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-09 [Royal Bank Of Canada Refocuses On Core Banking As Avion Wins Globally - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxPUWtxcF9QczBmelZNeDRhSS1LT2JTd19iSGJaeWxiNXQ1VlYzbG03VEFFb25ZU3VVY1VFcmxTNmQtRUtnQ3JzWVNldTZjZEgyNWdsQ2xEbGdQd1QtTFk4Ym5faU5GeUdZWW9NSmtKc3JEZ0toMXpNblZBRG9JQURoS0VQWG5wT3dHckxKQWN0djhJNjN6SFl2TnlTMHMtUQ?oc=5) · Yahoo Finance
- 2025-12-18 [California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTGxlNEF4aW9OOVBlYVYxTjRYMDRvUHFnM3RSZjR0MWpGYi1MbXZHdU5RREhWalRxUENSYlZyQUQ0M1haYThOaWRZSHl5LWVselpYOUpBWmNnOHdaWWJxTXdiczhfc0hOcjFKZ1A1amtUT2k5UU0wRWd6Wk41aEJGOF9MOFBJZE5BeU51XzVyck1PUQ?oc=5) · Newsweek Rankings
- 2026-07-27 [AU Small Finance Bank Raises FCNR Deposit Rates to 7.40% and NRE Fixed Deposit Rates to 7.60% - PR Newswire Canada](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOYlFTcU9aVURYUmtYdXF1a2YxRElKRUJfeUk4WlVtWGtHRXFXM3dycjR2S1lld2FmeUhIenFfMGdOakpKVElyNF8wRkZqWDZENmlrczJma1V6Z1FpamNJNk1renZaU0NramJ1anpWT3RHemI2cXdlYU5zaFBfbDkxcjBtWHJadnZYZ2VnclBZcThPNUNrT3lPWm1CcUlleEJEVzRyd2hEVEJPbV9hZHJmczRVNjdkZ3oyS0ZGY3lHSWFxZ21oa1Z1MDJ3NlU1ZjV5aDY0ZjM4ZWpJdkRWb0E?oc=5) · PR Newswire Canada
- 2026-06-11 [AU Small Finance Bank raises FCNR Deposit Rates to 7.10%*, Strengthens End-to-End NRI Banking Proposition - PR Newswire Canada](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPRElWMWNlQUpKb2x3bUJpY04yb0hJTDNETmt2ME9wMFQ4VFJCZjNfOTNOUDJlYkE5NzlMR1Y3ZUxwMGU3NDA0WFMydkJBZEVldV96SFVuNWota19xczd5TXkxTno1N2xpUm5JTXVDN1NZRHJZWDF3Z0xfQ05ONkRObkhfb0tfcUhwbXhCRUVUdTlpU3NPX2FvMGJUb2NJX0l2UTVvWVJYcmJmVVZNekx3ZG9yMzA2X2s2N19ja2VlTmlqOC0xVFJPV1hJZDZuSzBvNnU3c1FGT2JQRXBNeHlUZU9Pbk1NNE00VzBN?oc=5) · PR Newswire Canada
- 2026-04-28 [AU Small Finance Bank files for final universal bank licence - economictimes.com](https://news.google.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?oc=5) · economictimes.com
- 2026-03-07 [RBI removes NOFHC requirement for AU SFB's transition to Universal Bank - Business Standard](https://news.google.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?oc=5) · Business Standard
- 2026-05-08 [World’s Best Banks 2026: North America - Global Finance Magazine](https://news.google.com/rss/articles/CBMigAFBVV95cUxNUGlIWTU4OFVqb05tM09iNVlDWVk5SFhramh1RzFCR2ZvX0Z2S2c4NmtyclBfTHFJZkYyeHRjQm1KX1F4V1VKSHJIRUtMbWJSZFdHb2V3WFU4WHpieGlLYTJpYVo0bXQ2Ym93VGtIc1VBeW9HT0VqczRscFBPay1yVA?oc=5) · Global Finance Magazine
- 2022-12-20 [The future of banks: A $20 trillion breakup opportunity - McKinsey & Company](https://news.google.com/rss/articles/CBMixwFBVV95cUxQSFVXU0FxNUpGWWJROWlvSUhlWGNnclQzQzRYNWtTeFlBUGxTWHotRG5LOGFuX0JLS252Ykc3bVR2bWdPQ2VOZ1k2OGhGSkRSdjJLRC1IZEY2SHRWZ3RxNmhZMXIzSmhKV09EbGliWFQ5am5qbmRxbXZZR29EQmhwT2tTRGc2WHdmM1RMNEtrdUpmUm56dHJndkYtTlF5MDJ4NFM1MVEwa2RqMDRpMkFJSmk5NUU4Q2tveXFDRXBGX0d4eWhON0Zz?oc=5) · McKinsey &amp; Company

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30722 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "30722", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide