22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 5, 2026.
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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee 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) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. 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-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.
Comparison with U.S. medians for fees published by banks and credit unions.
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.
$59K
Universal BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Universal Bank’s own schedules, with a source for each figure.
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account(s) Closed Within 90 Days of Opening | $10 | Not stated | None |
| Dormant Account Escheatment Processing (audience not stated, treated as personal) | $2 | 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) | $30 | Not stated | None |
| Non-Sufficient Funds (NSF) (audience not stated, treated as personal) | No charge | Not stated | None |
ATM & Card | |||
| ATM Access/Non-Universal Bank ATM | $3.50 | Not stated | None |
| ATM and Debit Card Replacement | $10 | Not stated | None |
| Expedited Debit Card | $75 | Not stated | None |
Wire Transfers | |||
| Online Wire Transfers – Outgoing Domestic | $30 | Not stated | None |
| Wire Transfers – Outgoing Domestic | $35 | Not stated | None |
| Wire Transfers – Outgoing Foreign | $45 | Not stated | None |
| Wire Transfers - Incoming Foreign/Domestic | $15 | Not stated | None |
Check Services | |||
| Cashier’s Check | $10 | Not stated | None |
| Stop Payment (ACH & Checks) (audience not stated, treated as personal) | $25 | Not stated | None |
| Temporary Check (audience not stated, treated as personal) | $1 | Not stated | None |
| Check Cashing – Non-Customer (audience not stated, treated as personal) | $25 | Not stated | None |
| Collection – Return Item (audience not stated, treated as personal) | $25 | per item | None |
| Copies Per Item (audience not stated, treated as personal) | $2 | per item | None |
| Documentation Request - Copies Per Item (audience not stated, treated as personal) | $2 | per item | None |
Cash & Deposit | |||
| Chargeback (Returned Item) (audience not stated, treated as personal) | $15 | Not stated | None |
Account Services | |||
| ATM and Debit Cards: 3 X 5 Inches | $90 | Not stated | None |
| Fees may be assessed for ATM and debit card usage by third parties | 10 X 10 Inches | $185 | Not stated | None |
| Forced Drilling | $275Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 2 X 5 Inches | $80 | Not stated | None |
| Safe Deposit Box 3 X 10 Inches | $110 | Not stated | None |
| Safe Deposit Box 5 X 10 Inches | $135 | Not stated | None |
| Safe Deposit Box 5 X 5 Inches | $100 | per item | None |
| Safe Deposit Box 6 X 10 Inches | $160 | Not stated | None |
| Verification of Account Deposit (VOD) (audience not stated, treated as personal) | $10 | Not stated | None |
Retirement & IRA | |||
| IRA Plan Annual Trustee Fee (audience not stated, treated as personal) | $30 | per year | None |
| IRA Plan Closing Fee (audience not stated, treated as personal) | $20 | Not stated | None |
Other Fees | |||
| Statement Copy (audience not stated, treated as personal) | $5 | 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.
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.