Company: UVSP
Filing Date: 2025-07-29
Form Type: 10-Q
Source: 0001628280-25-036392
Chunk: 158

Company: UNIVEST FINANCIAL Corp
Filing Date: 2025-07-29
Form: 10-Q
Item: Item 8
Chunk 158
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1,692,759 19,131 4.55 Regular savings700,762 749 0.43 759,960 929 0.49 Time deposits1,541,008 16,261 4.23 1,422,113 16,134 4.56      Total time and interest-bearing deposits5,213,107 41,755 3.21 4,968,982 43,505 3.52 Short-term borrowings5,254 1 0.08 29,506 242 3.30 Long-term debt200,549 2,128 4.26 250,000 2,777 4.47 Subordinated notes149,444 2,281 6.12 148,943 2,281 6.16 Total borrowings355,247 4,410 4.98 428,449 5,300 4.98 Total interest-bearing liabilities5,568,354 46,165 3.33 5,397,431 48,805 3.64 Noninterest-bearing deposits1,420,143 1,384,770 Operating lease liabilities29,802 33,382 Accrued expenses and other liabilities52,640 61,385 Total liabilities7,070,939 6,876,968 Total interest-bearing liabilities and noninterest-bearing deposits ("Cost of Funds")6,988,497 2.65 6,782,201 2.89 Shareholders’ Equity:Common stock157,784 157,784 Additional paid-in capital301,016 299,426 Retained earnings and other equity449,736 387,362 Total shareholders’ equity908,536 844,572 Total liabilities and shareholders’ equity$7,979,475 $7,721,540 Net interest income$59,957 $51,311 Net interest spread2.34 1.91 Effect of net interest-free funding sources0.86 0.93 Net interest margin3.20 %2.84 %Ratio of average interest-earning assets to average interest-bearing liabilities134.91 %134.43 %

*Obligations of states and political subdivisions are tax-exempt earning assets.

Notes:   For rate calculation purposes, average loan and lease categories include deferred fees and costs and