United Fidelity Bank, FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Fidelity Bank, FSB of Evansville, IN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.07% | 1.46% | -1.39% | 3rd bottom |
| ROAE | 0.67% | 12.75% | -12.08% | 3rd bottom |
| Net Interest Margin | -0.42% | 3.86% | -4.28% | 0th bottom |
| Efficiency Ratio | 105.33% | 57.29% | +48.04% | 1st bottom |
| PPNR / Avg Assets | -0.09% | 1.88% | -1.97% | 2nd bottom |
| Yield on Earning Assets | 3.54% | 5.72% | -2.18% | 1st bottom |
| Cost of Funds | 3.63% | 2.01% | +1.62% | 2nd bottom |
| Net Interest Spread | -0.25% | 3.19% | -3.44% | 0th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.47% | 1.00% | -0.53% | 60th above |
| NPA / Total Assets | 0.25% | 0.76% | -0.51% | 70th above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 64th above |
| ACL / Total Loans | 2.38% | 1.31% | +1.07% | 98th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 504.02% | 543.45% | -39.43% | 81st top |
| Texas Ratio | 2.28% | 7.40% | -5.12% | 74th above |
| Provision / NCO | 0.00% | 620.45% | -620.45% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.08% | 17.36% | -6.28% | 11th bottom |
| Tier 1 Ratio | 13.26% | 17.38% | -4.12% | 45th below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.09% | 18.43% | -3.34% | 58th above |
| Leverage Ratio | 10.16% | 11.44% | -1.28% | 41st below |
| Equity / Assets | 10.05% | 11.34% | -1.29% | 44th below |
| TCE / Tangible Assets | 8.38% | 10.51% | -2.13% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.11% | 87.02% | -25.91% | 93rd top |
| Core Deposit Ratio | 63.59% | 85.61% | -22.02% | 4th bottom |
| Uninsured Deposit Ratio | 17.24% | 33.16% | -15.92% | 89th top |
| Wholesale Funding Ratio | 1.23% | 5.72% | -4.49% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.99% | 9.70% | -7.71% | 28th below |
| Loan Growth (Y/Y) | -3.32% | 8.08% | -11.40% | 8th bottom |
| Deposit Growth (Y/Y) | 1.54% | 7.89% | -6.35% | 27th below |
See United Fidelity Bank, FSB's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Fidelity Bank, FSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Fidelity Bank, FSB profile, how to read a UBPR, or how this data updates.