Bank · FDIC insured
Universal Bank
A $388M bank headquartered in West Covina, CA, with 5 branches in California. Best rates: CDs 0.60% and savings 0.10% APY.
Universal Bank Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#125 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Universal Bank
Universal Bank was founded in 1954 in Rosemead, California, and maintains its corporate office in West Covina, California.
Originally established as Universal Savings and Loan Association, it was renamed Universal Savings Bank in 1984, became Universal Bank F.S.B. in 1992, and adopted Universal Bank in 1996.
- Headquarters
- 3455 S Nogales St, West Covina, CA 91792
- FDIC certificate
- 30722 ↗
Branches
5 branches in California
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California
5 branches
- Universal BankMain office3455 S Nogales St, West Covina, CA 91792Directions
- Arcadia Branch57 Wheeler Ave, Arcadia, CA 91006Directions
- Eagle Rock - Branch2575 Colorado Blvd, Los Angeles, CA 90041Directions
- Monterey Park Branch404 S Atlantic Blvd, Monterey Park, CA 91754Directions
- Rosemead Branch3676 Rosemead Blvd, Rosemead, CA 91770Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 17.80% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 3.74% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.36% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $95 | $81 | — |
- CapitalLeverage ratio17.80%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent3.74%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.36%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$95Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Universal Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.