United Fidelity Bank, FSB: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
United Fidelity Bank, FSB is the primary bank subsidiary of its parent holding company, headquartered in Evansville, IN. On its most recent Q2 2026 call report, United Fidelity Bank reported $6.5B in total assets against $5.6B in deposits. Profitability runs below industry average: 0.07% ROA, 0.67% ROE, with NIM at -0.42%. Capital cushions are healthy: 11.08% CET1, 10.16% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.47%. Its footprint covers 22 branches concentrated in Indiana.
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 0.47%, a Texas ratio of 2.28%, per financial data filed with the FFIEC.
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)
- Offices
- 22 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full United Fidelity Bank, FSB terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock United Fidelity Bank, FSB, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.08% | 0.07% | 0.47% | 2.28% | -0.42% |
| Q1 2026 | 10.99% | -0.25% | 0.45% | 2.27% | -0.49% |
| Q4 2025 | 10.94% | 0.22% | 0.53% | 3.04% | -0.62% |
| Q3 2025 | 10.52% | 0.23% | 0.57% | 4.17% | -0.83% |
| Q2 2025 | 10.17% | 0.03% | 0.49% | 3.05% | -0.85% |
| Q1 2025 | 9.96% | -0.82% | 0.48% | 2.90% | -0.82% |
| Q4 2024 | 9.89% | 0.52% | 0.43% | 2.85% | -0.78% |
| Q3 2024 | 9.77% | -1.34% | 0.46% | 3.41% | -1.01% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 22 branches →
| 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 | merger | 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 | merger | 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 | failure_government_assistance_provided | 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 | M&A | failure_government_assistance_provided | SEC |
| May 27, 2017 | Structure Change | Acquired Fayette County Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 26, 2017 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 1, 2017 | M&A | merger | SEC |
| February 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2017 | Structure Change | Acquired Bank of St. Croix Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 11, 2015 | M&A | failure_government_assistance_provided | 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 | failure_government_assistance_provided | 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 | M&A | failure_government_assistance_provided | SEC |
| May 24, 2014 | Structure Change | Acquired The Columbia Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| 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
What the public regulatory sources show for United Fidelity Bank, FSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 131 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Fidelity Bank, FSB headquartered?
United Fidelity Bank, FSB is headquartered in Evansville, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United Fidelity Bank, FSB founded?
United Fidelity Bank, FSB was established in 1931, per the FDIC institution directory.
Is United Fidelity Bank, FSB FDIC-insured?
Yes. United Fidelity Bank, FSB is an FDIC-insured commercial bank (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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United Fidelity Bank, FSB's CET1 capital ratio?
United Fidelity Bank, FSB 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?
United Fidelity Bank, FSB operates 22 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?
United Fidelity Bank, FSB's Texas Ratio is 2.28% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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