Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
Universal Bank
West Covina, CA · FDIC cert 30722
· class SB
· primary regulator OCC
· charter OCC
· holding company Universal Financial Inc
total assets $388mn · band $300mn-1bn · established 1954 · Call Report 2026Q2 · branches from the 2025 Summary of Deposits
total assets $388mn · band $300mn-1bn · established 1954 · Call Report 2026Q2 · branches from the 2025 Summary of Deposits
The public record, as the regulator reads it. Every number on this page is from an FDIC filing
or a public loan-level tape; every line is the regulator's own; nothing is scored, summed or graded.
This bank is over neither of SR 06-26's two criteria.
The lines · 2026Q2 Call Report
SR 06-26 (the 2006 interagency guidance on CRE concentrations), the Prompt Corrective Action capital lines
(12 CFR 324.403) on the filer's own basis, and the FDIC's brokered-deposit line (12 CFR 327.16). A value on the far
side of its line is colored; that is the whole of what a crossed line means here.
| line | this bank | the line | the rule |
|---|---|---|---|
| Investor CRE / total risk-based capital | 347% total 368% |
≥ 300% | construction, multifamily and non-owner-occupied nonfarm nonresidential over total risk-based capital — the first half of criterion 2; owner-occupied excluded, as the guidance excludes it. "Total" beneath adds it back. |
| Construction & land loans / capital | 0.0% | ≥ 100% | construction, land development and other land loans over total risk-based capital — criterion 1 of the 2006 interagency guidance |
| CRE book growth, 36 months | -8.0% | ≥ 50% | the supervisory CRE book (owner-occupied excluded) against the same bank twelve quarters earlier — the second half of criterion 2, which the 300% line alone does not state |
| Total risk-based capital ratio | not reported | < 10% | total risk-based capital over risk-weighted assets; well capitalized at 10%, adequately at 8%. A CBLR filer reports none and is printed as not reported |
| Tier 1 risk-based capital ratio | not reported | < 8% | tier 1 capital over risk-weighted assets; well capitalized at 8%, adequately at 6%. A CBLR filer reports none and is printed as not reported |
| Tier 1 leverage ratio | 17.8% | < 9% | tier 1 capital over average assets; well capitalized at 5% for a risk-based filer, and the CBLR framework's own 9% line for a leverage-only filer |
| Brokered deposits / assets | 12.2% | ≥ 10% | brokered deposits over total assets; above 10% they begin to count in the FDIC's assessment formula (12 CFR 327.16) |
Criterion 1 is construction at or above 100% of capital:
not over.
Criterion 2 is BOTH halves — investor CRE at or above 300% of capital AND the book grown 50% or more in 36 months
(from the tape's own quarter, 2023Q2):
not over.
Capital is read on the leverage-only (CBLR) basis this bank files on.
Its market · branches as of 30 June 2025
A branch is a building in a ZIP (FDIC Summary of Deposits); no dollar is allocated to any metro. For each metro this bank has a branch in:
the Hotspots reading (retail and office, each elevated or not against a bar set at the top quartile of the 294 metros with both readings — a relative cut, not a regulator's line),
the public CMBS tape in the metro, and the counts behind the doors.
5 branches · 100% of the bank's
CMBS in the metro
665 loans
3.2% distressed · retail 0.7% · office 4.7%
Behind the door
166 on the forward watch
$4,996mn not yet in special servicing · 30 in special servicing with commentary · 45 WARN notices in 90 days (4,143 jobs)
Peers · the same asset band, nationally and in Los Angeles-Long Beach-Anaheim, CA
Every cohort is inside an asset band ($300mn-1bn), because size moves the concentration ratios more than anything else does. A position is an interval —
the share of the cohort below this bank and the share at or below it differ by the tie — and below 10 banks nothing is ranked.
$300mn-1bn, nationally
1,438 banks
Investor CRE / capital
94th pct
1,345 below · 1 at the same value · 89 above
Construction / capital
0–3th pct
0 below · 47 at the same value · 1,388 above
$300mn-1bn, in Los Angeles-Long Beach-Anaheim, CA
22 banks
Investor CRE / capital
59–64th pct
13 below · 1 at the same value · 8 above
Construction / capital
0–36th pct
0 below · 8 at the same value · 14 above
banks with a branch in this metro, from the 2025 Summary of Deposits. This metro holds 5 of the bank's 5 branches (100%); the bank operates in 1 metro.
Of the 1,438 banks in the $300mn-1bn band nationally, over each line:
Construction at or above 100% of capital — criterion 1 — 142 of 1,435 (9.9%); CRE at or above 300% of capital — 166 of 1,435 (11.6%); ... and the book grew 50% or more in 36 months — criterion 2 — 45 of 1,435 (3.1%); Over either criterion — 169 of 1,435 (11.8%); Total risk-based capital below 10% (risk-based filers) — 2 of 822 (0.2%); Tier 1 risk-based capital below 8% (risk-based filers) — 1 of 822 (0.1%); Tier 1 leverage below 5% (risk-based filers) — 0 of 822 (0.0%); Tier 1 leverage below 9% (CBLR filers) — 13 of 613 (2.1%); Below a well-capitalized line, on the filer's own basis — 15 of 1,435 (1.0%); Brokered deposits at or above 10% of assets — 131 of 1,435 (9.1%).
What moves faster than the Call Report
Forward transfer-risk watch
166 loans
$4,996mn in this bank's metros scored High or Elevated for transfer to special servicing within two quarters, not yet transferred. The loans are the door.door
In special servicing, with commentary
30 loans
the servicer's own filed narrative, loan by loan. The narratives are the door.door
WARN notices, 90 days
45 notices
4,143 jobs, in this bank's metros, under review. The employers and addresses are the door.door
The four bank lenses
Franchise · Strain · Mark · Consolidation
every bank against every line, the franchise gradient, the mark on the book, the consolidation clock — this bank placed on each.door
Watch dossier
on file
a written watch thesis exists for this bank in the app.door
Boundaries
- The Call Report carries no collateral geography. The footprint is where the branches are (FDIC Summary of Deposits, 30 June 2025), not where the loans are.
- The regulator's lines are absolute (SR 06-26, 12 CFR 324.403, 12 CFR 327.16) and read on the 2026Q2 Call Report; the 36-month growth is from the tape's own quarter, 2023Q2.
- Owner-occupied commercial real estate is excluded from criterion 2, as SR 06-26 excludes it.
- The Hotspots cell is a relative cut — the top quartile of the 294 metros with both readings on each lens (snapshot 2026-09-15) — not a line of any regulator's.
- A capital ratio is read on the filer's own basis (leverage only); a CBLR filer reports no risk-based ratio and none is inferred.
- This page is rebuilt nightly from stored filings; generated 2026-09-16. Banks under the Call Report tape's $100mn floor have no page.
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