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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 $0.0BQ3 2024Q2 2026
Deposit mix
97%Interest-bearing $5.1B3%Noninterest $0.2BQ3 2024Q2 2026

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 0.07%, up 4 bps year over year; NIM at -0.34%.
  • 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.

Return on Assets (quarter, annualized)

0.07%+4 bps YoY

Net Interest Margin (quarter, annualized)

-0.34%+35 bps YoY

Efficiency Ratio (quarter, annualized)

106.46%+2,619 bps YoY

Tier 1 Leverage Ratio

10.16%+68 bps YoY

NIM

2.95%Q2 ’242.85%Q2 ’252.84%Q2 ’26+11%+51%

Non-interest income vs. expense

1.11%Q2 ’241.29%Q2 ’251.46%Q2 ’26-602%+75%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.35%0.53%-0.82%0.03%10.23%10.22%-0.25%0.07%+4 bps
Return on Equity-14.40%5.59%-8.74%0.32%2.32%2.14%-2.40%0.67%+36 bps
Net Interest Margin-0.82%-0.71%-0.67%-0.69%-0.67%-0.50%-0.40%-0.34%+35 bps
Efficiency Ratio90.42%51.98%127.05%80.27%102.16%101.94%161.33%106.46%+2,619 bps
Non-Interest Burden0.82%-1.98%-0.40%-1.00%-0.65%-0.47%0.15%-0.25%+75 bps
Growth
Asset Growth (YoY)3.27%0.00%-0.76%-0.22%-1.59%-0.91%0.00%1.99%+222 bps
Loan Growth (YoY)-1.84%-3.34%-3.04%-5.24%-5.09%-4.39%-4.68%-3.32%+192 bps
Deposit Growth (YoY)1.02%-0.63%2.51%0.78%-1.58%-0.90%-0.62%1.50%+72 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.49%0.53%0.58%0.82%0.63%0.47%0.49%-10 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%0.00%0.01%0.01%0 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.14%9.24%9.33%9.48%9.77%10.08%10.13%10.16%+68 bps
Total Risk-Based Capital13.91%14.20%14.28%14.54%14.69%15.02%14.97%15.09%+55 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits71.51%71.28%70.72%68.10%68.96%68.77%67.83%64.86%-323 bps
Liquid Assets / Assets10.03%10.24%10.33%10.28%10.40%10.34%10.24%9.94%-34 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a