Compared with California
10 of 22
compared fees are above the median.
7 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
50th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 22 compared; 7 below, 5 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Universal Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Universal Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.1% of revenue, about the same as the 2.1% median of 1,412 banks with $300M to $1B in assets (50th percentile). About the same: within 1% of the median.
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $59K in Q2 2026, 31% above the same quarter a year earlier ($45K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 22 compared published fees sit above the California median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 28% from Q3 2025 to Q2 2026, to $59K. Its share of revenue, 2.1%, is about the same as the 2.1% median for banks with $300M to $1B in assets.
$59K
Universal BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Universal Bank · $388M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Universal Bank(this institution) | West Covina, CA | $388M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Community Bank of Indiana | Saint John, IN | $383M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ascendia Bank | Glen Rock, NJ | $395M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Balboa Thrift and Loan Association | Chula Vista, CA | $394M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| BankGloucester | Gloucester, MA | $387M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central Bank | Tampa, FL | $387M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Earlham Savings Bank | West Des Moines, IA | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ESB Financial | Emporia, KS | $381M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers State Bank | Center, TX | $391M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of Clarksdale | Clarksdale, MS | $386M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank | Lynnville, IA | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Great Plains State Bank | Petersburg, NE | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Municipal Trust and Savings Bank | Bourbonnais, IL | $382M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Valley Bank & Trust | Springfield, MA | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pinnacle Bank | Jasper, AL | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| RockPointBank, National Association | Chattanooga, TN | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sandhills State Bank | North Platte, NE | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Bank of Glen Burnie | Glen Burnie, MD | $395M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Community State Bank | Poteau, OK | $393M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Fahey Banking Company | Marion, OH | $385M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First Citizens National Bank of Upper Sandusky | Upper Sandusky, OH | $390M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Harbor Bank of Maryland | Baltimore, MD | $383M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| THE HOME LOAN SAVINGS BANK | Coshocton, OH | $387M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Peoples Community Bank | Mazomanie, WI | $389M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| TrustTexas Bank, SSB | Cuero, TX | $393M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Roosevelt Savings Bank | Carteret, NJ | $381M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.95 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Universal Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Universal Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $59K | +$7K | +13.5% |
| Q1 2026 | $52K | +$4K | +8.3% |
| Q4 2025 | $48K | +$2K | +4.3% |
| Q3 2025 | $46K | +$1K | +2.2% |
| Q2 2025 | $45K | −$4K | −8.2% |
| Q1 2025 | $49K | −$8K | −14.0% |
| Q4 2024 | $57K | −$4K | −6.6% |
| Q3 2024 | $61K | −$21K | −25.6% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Universal Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Universal Bank by share.
Amounts from Universal Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account(s) Closed Within 90 Days of Opening | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Escheatment Processing (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research/Reconciliation (audience not stated, treated as personal) | $50Not compared: Monthly charge, not per item | per month | None |
Overdraft & NSF | |||
| Overdraft Fee For Items Paid Into Overdraft (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Access/Non-Universal Bank ATM | $3.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM and Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Debit Card | $75Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Online Wire Transfers – Outgoing Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers – Outgoing Domestic | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers – Outgoing Foreign | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers - Incoming Foreign/Domestic | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment (ACH & Checks) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Check (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing – Non-Customer (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection – Return Item (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copies Per Item (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Documentation Request - Copies Per Item (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Chargeback (Returned Item) (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| ATM and Debit Cards: 3 X 5 Inches | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Fees may be assessed for ATM and debit card usage by third parties | 10 X 10 Inches | $185Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Forced Drilling | $275Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 2 X 5 Inches | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 10 Inches | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 10 Inches | $135Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 5 Inches | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per item | None |
| Safe Deposit Box 6 X 10 Inches | $160Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Verification of Account Deposit (VOD) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Plan Annual Trustee Fee (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Plan Closing Fee (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 5, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Universal Bank operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $275.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $275.1M |
Los Angeles-Long Beach-Anaheim, CA
0% of bank deposits, #77 of 107, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19.1% |
| Bank of America, National Association | 15.7% |
| Wells Fargo Bank, National Association | 13.3% |
| City National Bank | 8% |
| East West Bank | 6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Los Angeles-Long Beach-Anaheim, CA, Universal Bank holds 0% of bank deposits, #77 of 107, with 5 offices.
900 offices of 17 institutions shown.
Showing 900 of 2,362 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 107 institutions shown. $667.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0% share, 5 offices, #77 of 107
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
475 offices of 117 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
2 past actions
Past
OCC. Ended December 18, 2014
OCC. Ended October 20, 2011
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.