United Fidelity Bank, FSB: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 55.8% in Q2 2026, from $251.0M to $391.0M. It was the largest change from Q1 2026 among the key lines here. United Fidelity Bank, FSB has the 9th lowest loan-to-deposit ratio of the 87 banks headquartered in Indiana, at 61.11% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. United Fidelity Bank, FSB sits 27.09 points lower, at 61.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $391.0M |
| Cash and noninterest-bearing balances to assets | 6.02% |
| Cash and securities | $1.75B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $52.8M |
| Subordinated notes and debentures | $26.9M |
| Other borrowed money to assets | 0.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.11% |
| Net loans and leases to deposits | 59.66% |
| Loans and leases to core deposits | 72.66% |
| Core deposits to total deposits | 63.59% |
| Brokered deposits to total deposits | 20.52% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 69.37% | 46.66% | $0 | $50.7M |
| Q4 2023 | 69.18% | 45.96% | $0 | $129.7M |
| Q1 2024 | 70.63% | 47.74% | $0 | $249.8M |
| Q2 2024 | 68.51% | 48.93% | $50K | $124.9M |
| Q3 2024 | 67.75% | 50.79% | $0 | $104.9M |
| Q4 2024 | 66.59% | 49.71% | $0 | $50.9M |
| Q1 2025 | 66.51% | 52.78% | $0 | $50.9M |
| Q2 2025 | 64.19% | 53.97% | $0 | $50.9M |
| Q3 2025 | 65.01% | 56.68% | $0 | $51.0M |
| Q4 2025 | 64.88% | 57.77% | $0 | $51.0M |
| Q1 2026 | 63.84% | 62.63% | $0 | $51.1M |
| Q2 2026 | 61.11% | 63.59% | $0 | $52.8M |
United Fidelity Bank, FSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Fidelity Bank, FSB, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Fidelity Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29566) · FFIEC NIC profile (RSSD 391575)