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Current Banking Concerns

Universal Bank is a conservative bank that focuses on safety & soundness.

The cause of bank failures were due to “crypto,” “venture capital/start-up companies, high-tech industries and any other high-risk customers.

Universal Bank as a community bank takes pride in our relationship-based business model focused on building long-term trust with our customers. After all, we live in your community too, and your success is our success.

Universal Bank is well-capitalized with a leverage capital ratio of 18.23% as of February 28, 2023, well above the minimum regulatory leverage ratio capital requirement for a well-capitalized institution of 9% and well positioned to continue to serve our customers and community. The Bank has served its community for 69 years after receiving its banking charter in 1954.

Universal Bank, is a member of the FDIC and all its customers are insured by the Federal Deposit Insurance Corporation (FDIC).  To learn more about the FDIC Insurance, you can visit their website at:

To learn more about the insurance coverage, please visit the FDIC’s tool to calculate your coverage amount. The tool is available by visiting

As a community banking customer of Universal Bank, you have access to our experienced team, and we stand ready to address any of your questions or concerns during our banking office hours. You may also call our toll-free number during our banking hours at (888) 809-8282.


Introducing our new and improved website!

Our website has been upgraded to accommodate new features, which will appear soon. We’ve also improved the structure of the dropdown menus, so you’ll get a quick read.

You will see other small but impactful changes, all to make your banking experience better. Please take a little time to see what we have changed.

If you have any questions or comments about our new website, please contact your branch. Click here to find your closest branch location and the contact information.

personal banking

Personal Banking

We offer a wide variety of personal products to help you meet your financial needs!

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personal banking

Business Banking

Universal Bank offers a variety of business accounts to meet your business and financial needs.

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Commercial loans

Commercial Loans

Our Commercial Lending Group will help you select from a wide range of credit alternatives.

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personal banking

Online Banking

View your account balance, account activity and transfer funds between your Universal Bank accounts.

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Corporate Hours & Info

3455 Nogales St. Floor #2
West Covina, CA 91792
(626) 854-2818
Monday – Friday: 8:30am-5:30pm
Saturday – Sunday: Closed

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