United Fidelity Bank, FSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 8.00 percentage points in Q2 2026, from 443.86% to 435.86%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, United Fidelity Bank, FSB is 9th from the bottom among 87 Indiana banks, 61.11% (Q2 2026). United Fidelity Bank, FSB reported 61.11% on loan-to-deposit ratio for Q2 2026, 27.09 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.44B |
| Net loans and leases | $3.35B |
| Loans held for sale | $0 |
| Loans to total assets | 52.92% |
| Loan-to-deposit ratio | 61.11% |
| Net loans to equity capital | 5.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.06% |
| Multifamily (5+ residential) | 89.90% |
| Commercial and industrial | 0.68% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 435.86% |
| Construction concentration (Tier 1 capital + allowance) | 0.57% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 3.83% |
| Interest income on loans | $33.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.80B | $5.47B | 3.98% | 1.00% | 0.08% |
| Q4 2023 | $3.80B | $5.50B | 3.92% | 1.05% | 0.07% |
| Q1 2024 | $3.78B | $5.35B | 3.99% | 1.02% | 0.08% |
| Q2 2024 | $3.75B | $5.47B | 3.90% | 0.93% | 0.07% |
| Q3 2024 | $3.73B | $5.50B | 3.76% | 1.01% | 0.08% |
| Q4 2024 | $3.68B | $5.52B | 3.68% | 1.03% | 0.08% |
| Q1 2025 | $3.67B | $5.51B | 3.59% | 0.93% | 0.08% |
| Q2 2025 | $3.55B | $5.54B | 2.46% | 0.81% | 0.08% |
| Q3 2025 | $3.54B | $5.44B | 2.23% | 0.79% | 0.08% |
| Q4 2025 | $3.52B | $5.42B | 2.18% | 0.75% | 0.08% |
| Q1 2026 | $3.50B | $5.47B | 2.08% | 0.77% | 0.07% |
| Q2 2026 | $3.44B | $5.62B | 2.06% | 0.68% | 0.07% |
United Fidelity Bank, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Fidelity Bank, FSB, freeSource: Call Report Schedule RC-C, 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)