United Fidelity Bank, FSB
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Data as of · sourced from FFIEC call reports. How we update
United Fidelity Bank, FSB is an FDIC-insured savings institution headquartered in Evansville, IN, established in 1931 (FDIC certificate 29566), and it is supervised by the OCC. At Q2 2026 it reported total assets of $6.49B, up 2.0% from Q2 2025, the 9th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 11.08% at Q2 2026, above regulatory requirements.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29566
- Headquarters
- Evansville, IN
- Established
- 1931
- Total assets, Q2 2026
- $6.49B
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 11.08%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 286371663
- Latest call report
- Q2 2026, FFIEC 031 · United Fidelity Bank, FSB call report
- Holding company
- FIDELITY FEDERAL BANCORP
- Asset rank in state
- 9th of 87 in Indiana
United Fidelity Bank, FSB spends more to run itself than most banks of its size. Based in Evansville, Indiana, it had $6.5 billion in assets at June 30, 2026, up 2.0% from a year earlier. It earns about $0.07 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 105 cents to bring in each dollar of revenue, about double the median of 58 cents for banks its size.
Earnings jumped: net income for the quarter was $1.1 million, 130% above the same quarter a year earlier. Over the same year, loans shrank 3.3% and deposits grew 1.5%. Funding is the softer spot: it pays an average of 3.63% on its deposits and borrowings, about double the median of 2.01% for banks its size.
As of June 30, 2026, United Fidelity Bank, FSB reported a CET1 capital ratio of 11.08%, a return on assets of 0.07%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 2.28%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, United Fidelity Bank, FSB is the 9th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.5% to $6.49B, loans fell 1.7% and deposits rose 2.7%. Multifamily loans made up 89.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 3.7%. The FDIC Summary of Deposits lists 22 offices for it, in 16 cities across 5 states; its Evansville 5 offices book 64% of its branch deposits. Judged on its Q2 2026 call report, United Fidelity Bank, FSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 18 Nw 4th St, Evansville, IN 47708
- County
- Vanderburgh
- Metro Area
- Evansville, IN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- January 1, 1931
- Former names
- Evansville Federal Savings Bank (1987-1995)
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 351
- Domestic deposits
- $5.30B
- Allowance for credit losses
- $81.7M
- Net charge-offs (YTD)
- $139K
- Average total assets
- $6.31B
- Average total loans
- $3.47B
- Average interest-bearing deposits
- $5.11B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29566
- Fed RSSD
- 391575
- SEC CIK
- 1185822 → filed by PEDCOR FINANCIAL, LLC
- Website
- www.unitedfidelity.com →
- Parent Holding Company
- FIDELITY FEDERAL BANCORP (RSSD 3832293)
- Ultimate Parent
- PEDCOR FINANCIAL, LLC (RSSD 3848931)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
United Fidelity Bank, FSB's total assets moved between a low of $6.18B (Q3 2023) and a high of $6.49B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.49B total assets against $6.37B; $5.84B total liabilities against $5.76B.
$3.35B net loans and leases against $3.47B; $5.62B total deposits against $5.54B.
$1.36B securities against $1.31B; $391.0M cash and balances due against $287.2M.
$44.8M total interest income against $45.1M; $50.2M total interest expense against $56.1M.
-$5.4M net interest income against -$11.0M.
$27.0M total noninterest income against $36.2M; $23.1M total noninterest expense against $20.3M.
$0 provision for credit losses against $5.9M.
$1.1M net income against $474K.
0.07% return on assets against 0.03%; -0.42% net interest margin against -0.85%.
11.08% CET1 capital ratio against 10.17%; 10.16% tier 1 leverage ratio against 9.48%.
Inside the full United Fidelity Bank, FSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
United Fidelity Bank, FSB rankings
Its closest position to the top of a national ranking is 232 of 4,196, for total assets; its furthest is 3,567 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.34% (Q3 2024) to 0.52% (Q4 2024) and its net interest margin ran from -1.01% (Q3 2024) to -0.42% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.08% | 0.07% | 0.49% | 2.28% | -0.42% |
| Q1 2026 | 10.99% | -0.25% | 0.47% | 2.27% | -0.49% |
| Q4 2025 | 10.94% | 0.22% | 0.63% | 3.04% | -0.62% |
| Q3 2025 | 10.52% | 0.23% | 0.82% | 4.17% | -0.83% |
| Q2 2025 | 10.17% | 0.03% | 0.58% | 3.04% | -0.85% |
| Q1 2025 | 9.96% | -0.82% | 0.53% | 2.90% | -0.82% |
| Q4 2024 | 9.89% | 0.52% | 0.49% | 2.77% | -0.78% |
| Q3 2024 | 9.77% | -1.34% | 0.55% | 3.31% | -1.01% |
Swipe the table sideways to see every column.
Branch Network
View all 22 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Fidelity Bank, FSB (main office) | Evansville , IN | 47708 | $3.45B |
| Carmel City Center Branch | Carmel , IN | 46032 | $424.5M |
| Fort Walton Branch | Fort Walton Beach , FL | 32548 | $328.8M |
| Metro Parkway Branch | Fort Myers , FL | 33912 | $229.4M |
| Saint Croix Branch | Christiansted , VI | 00820 | $204.3M |
| Estate Peter's Branch | Christiansted , VI | 00820 | $120.8M |
| 4th St Branch | Mount Vernon , IN | 47620 | $114.1M |
| Destin Branch | Destin , FL | 32550 | $110.1M |
| Newburgh Branch | Newburgh , IN | 47630 | $86.0M |
| Aurora Branch | Aurora , CO | 80012 | $71.0M |
| Highland Community Branch | Chicago , IL | 60620 | $70.8M |
| 700 S Green River Road Branch | Evansville , IN | 47715 | $64.9M |
| Shelbyville Facility Branch | Shelbyville , IL | 62565 | $60.6M |
| Premier Branch | Denver , CO | 80223 | $60.5M |
| Fayette County Branch | Saint Elmo , IL | 62458 | $52.5M |
| 4441 First Ave Branch | Evansville , IN | 47710 | $46.7M |
| West Lloyd Expressway Branch | Evansville , IN | 47712 | $39.9M |
| Fort Branch Banking Center Branch | Fort Branch , IN | 47648 | $32.2M |
| Cowden Banking Center Branch | Cowden , IL | 62422 | $31.3M |
| Herrick Facility Branch | Herrick , IL | 62431 | $13.1M |
| St Joseph Ave Office | Evansville , IN | 47712 | $10.1M |
| South Halsted Street Branch | Chicago , IL | 60628 | $4.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 24, 2022 | M&A | Acquired Community Banks of Shelby County merger for the acquired bank | SEC |
| September 24, 2022 | Structure Change | Acquired Community Banks of Shelby County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 23, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2021 | M&A | Acquired International City Bank Federal Savings Bank merger for the acquired bank | SEC |
| December 1, 2021 | Structure Change | Acquired International City Bank Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 2020 | M&A | Acquired First City Bank of Florida failure_government_assistance_provided for the acquired bank | SEC |
| October 17, 2020 | Structure Change | Acquired First City Bank of Florida Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 16, 2020 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 27, 2017 | Structure Change | Acquired Fayette County Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 27, 2017 | M&A | Acquired Fayette County Bank failure_government_assistance_provided for the acquired bank | SEC |
| May 26, 2017 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 1, 2017 | Structure Change | Acquired Bank of St. Croix Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2017 | M&A | Acquired Bank of St. Croix merger for the acquired bank | SEC |
| July 11, 2015 | M&A | Acquired Premier Bank failure_government_assistance_provided for the acquired bank | SEC |
| July 11, 2015 | Structure Change | Acquired Premier Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 10, 2015 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 24, 2015 | M&A | Acquired Highland Community Bank failure_government_assistance_provided for the acquired bank | SEC |
| January 24, 2015 | Structure Change | Acquired Highland Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 23, 2015 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 24, 2014 | Structure Change | Acquired The Columbia Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 24, 2014 | M&A | Acquired The Columbia Savings Bank failure_government_assistance_provided for the acquired bank | SEC |
| May 23, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 31, 1976 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 25 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 5 against the institution (OCC, OCC (former OTS))
- October 31, 2023, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): United Fidelity Bank, F.S.B.
- August 13, 2010, OCC: Formal Agreement: United Fidelity Bank, F.S.B.
- August 13, 2010, OCC (former OTS): Supervisory Agreement: United Fidelity Bank, F.S.B.
- October 28, 2004, OCC (former OTS): Termination of Supervisory Agreement: United Fidelity Bank, fsb
- February 3, 1999, OCC (former OTS): Supervisory Agreement: United Fidelity Bank, fsb
- Period: Most recent institution action October 31, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.9% of deposits in IN, rank 14 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 75 applications, 15 loans originated, $54.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $420K approved, $420K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Fidelity Bank, FSB
What are United Fidelity Bank, FSB's total assets?
As of the Q2 2026 filing, United Fidelity Bank, FSB reported total assets of $6.49 billion in its FFIEC call report.
Where is United Fidelity Bank, FSB headquartered?
It is headquartered in Evansville, IN, United States.
When was United Fidelity Bank, FSB founded?
It was established in 1931, per the FDIC institution directory.
Is United Fidelity Bank, FSB FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29566). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Fidelity Bank, FSB?
United Fidelity Bank, FSB's primary federal regulator is the OCC.
What is United Fidelity Bank, FSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.08% in its Q2 2026 call report, above regulatory requirements.
How many branches does United Fidelity Bank, FSB operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Fidelity Bank, FSB's Texas Ratio?
Its Texas Ratio is 2.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was United Fidelity Bank, FSB previously called?
The charter now named United Fidelity Bank, FSB has also operated as Evansville Federal Savings Bank (1987-1995), per FDIC structure-change records.
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