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United Fidelity Bank, FSB

Evansville, IN · Cert 29566 · Pedcor Financial LLC

State savings bank · OCC · 22 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

1

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

1

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Fidelity Bank, FSB

Evansville, IN · Cert 29566 · Pedcor Financial LLC

State savings bank · OCC · 22 branches

Q2 2026

$6.5BAssets
$3.4BLoans
$5.3BDeposits
$652.5MEquity
Loan mix
99%RE $3.5B1%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $5.1B3%Noninterest $0.2BQ2 2025Q2 2026

NIM

2.95%Q2 ’242.86%Q2 ’252.82%Q2 ’26+11%+46%

Non-interest income vs. expense

1.13%Q2 ’241.27%Q2 ’251.44%Q2 ’26+60%+93%

Market Position · Evansville, IN · 2026 SOD (annual) · 27.9% share · #2 of 15 inst. · $3.8B of $13.6B

30.1% Vanderburgh
1.4% Hamilton
6.3% Okaloosa
29.3% Saint Croix

Executive Summary

  • Earnings: ROA of -0.09%, up 31 bps year over year; NIM at -0.37%.
  • Asset quality: problem loans at 0.49% of loans (-10 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.16%, up 68 bps from a year ago.
  • Funding: loans stand at 64.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.09%+31 bps YoY

Net Interest Margin (YTD, annualized)

-0.37%+32 bps YoY

Efficiency Ratio (YTD, annualized)

127.86%+2,975 bps YoY

Tier 1 Leverage Ratio

10.16%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.40%-0.19%-0.09%-0.25%-0.09%+31 bps
Return on Equity-4.20%-1.99%-0.92%-2.40%-0.86%+334 bps
Net Interest Margin-0.69%-0.68%-0.64%-0.40%-0.37%+32 bps
Efficiency Ratio98.11%99.24%100.00%161.33%127.86%+2,975 bps
Non-Interest Burden-0.70%-0.68%-0.63%0.15%-0.05%+65 bps
Growth
Asset Growth (YoY)-0.22%-1.59%-0.91%0.00%1.99%+222 bps
Loan Growth (YoY)-5.24%-5.09%-4.39%-4.68%-3.32%+192 bps
Deposit Growth (YoY)0.78%-1.58%-0.90%-0.62%1.50%+72 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.82%0.63%0.47%0.49%-10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%0 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.48%9.77%10.08%10.13%10.16%+68 bps
Total Risk-Based Capital14.54%14.69%15.02%14.97%15.09%+55 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits68.10%68.96%68.77%67.83%64.86%-323 bps
Liquid Assets / Assets10.28%10.40%10.34%10.24%9.94%-34 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Fidelity Bank, FSB

Evansville, IN · Cert 29566 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Pedcor Financial LLC

State savings bank · OCC · 22 branches

Q2 2026

$6.5BAssets
$3.4BLoans
$5.3BDeposits
$652.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 83% of banks $1B-$10B in assets operating regionally (rank 31 of 176).
  • Widest gap: net interest margin trails 100% of banks $1B-$10B in assets operating regionally (rank 176 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.09%

Rank 174 of 176

Net Interest Margin

-0.37%

Rank 176 of 176

Efficiency Ratio

128.24%

Rank 176 of 176

Equity / Assets

10.05%

Rank 99 of 176

Non-interest income vs. expense

$94.2M$91.1MINCOMEEXPENSE
Favorable gap of $3.1M · efficiency ratio beats 1% of banks $1B-$10B in assets operating regionally
Bank 128.24%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.09%0.93%1.26%1.54%Beats 1%174 / 176
Return on Equity-0.86%9.26%11.89%14.46%Beats 1%174 / 176
Net Interest Margin-0.37%3.25%3.59%3.93%Beats 0%176 / 176
Efficiency Ratio128.24%52.79%59.55%67.66%Beats 1%176 / 176
Asset Quality
Nonperforming Loans / Loans0.49%0.30%0.64%1.32%Beats 60%71 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 83%31 / 176
Capital
Tier 1 Capital Ratio13.26%11.15%12.72%14.15%Beats 61%69 / 176
Total Risk-Based Capital Ratio15.09%11.81%13.63%15.33%Beats 73%48 / 176
Equity / Assets10.05%9.16%10.35%11.80%Beats 44%99 / 176
Liquidity & Funding
Loans / Deposits64.86%80.94%89.73%97.21%3rd pctl170 / 176
Loans / Assets52.92%69.25%75.12%80.82%3rd pctl171 / 176
Brokered Deposits / Depositsn/aNot reported for this institution