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
Favorable gap of $3.1M · efficiency ratio beats 1% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Ratio | 128.24% | 52.79% | 59.55% | 67.66% | Beats 1% | 176 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.30% | 0.64% | 1.32% | Beats 60% | 71 / 176 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 83% | 31 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 13.26% | 11.15% | 12.72% | 14.15% | Beats 61% | 69 / 176 | |
| Total Risk-Based Capital Ratio | 15.09% | 11.81% | 13.63% | 15.33% | Beats 73% | 48 / 176 | |
| Equity / Assets | 10.05% | 9.16% | 10.35% | 11.80% | Beats 44% | 99 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 64.86% | 80.94% | 89.73% | 97.21% | 3rd pctl | 170 / 176 | |
| Loans / Assets | 52.92% | 69.25% | 75.12% | 80.82% | 3rd pctl | 171 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |