United Fidelity Bank, fsb
United Fidelity Bank, fsb reported total assets of $6.5 bn at Q2 2026, up 2.0% on a year earlier, the 235th largest of 497 banks in our US coverage. The CET1 capital ratio at United Fidelity Bank, fsb was 11.08%, and the uninsured share of United Fidelity Bank, fsb was 18.30%. Source: FDIC Call Reports.
Key takeaways
- United Fidelity Bank, fsb reports one of the lowest net interest margin readings among banks of $1 bn to $10 bn: -0.46% at , where the median of the 339 banks is 3.66% (FDIC Call Reports).
- At 127.86%, the efficiency ratio of United Fidelity Bank, fsb sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 56.87% (FDIC Call Reports).
- Among the 339 banks of $1 bn to $10 bn, few report a lower return on equity (ROE) than United Fidelity Bank, fsb, at -0.86% in ; the group median is 12.68% (FDIC Call Reports).
What sets United Fidelity Bank, fsb apart
- United Fidelity Bank, fsb reports one of the lowest return on assets (ROA) readings among banks of $1 bn to $10 bn: -0.09% at , where the median of the 339 banks is 1.32%.
- On common equity tier 1 (CET1) ratio, United Fidelity Bank, fsb climbed from 476th to 405th among 448 US banks between and (1 = highest).
- The loan-to-deposit ratio of United Fidelity Bank, fsb, 59.66% at , places United Fidelity Bank, fsb in the bottom tenth of banks of $1 bn to $10 bn (group median 88.61%).
How large is United Fidelity Bank, fsb?
The balance sheet of United Fidelity Bank, fsb at : assets $6.5 bn, deposits $5.6 bn, net loans $3.4 bn (loans equal to 59.66% of deposits). Securities make up 21.0% of total assets at United Fidelity Bank, fsb. Since , when United Fidelity Bank, fsb held $389.3 mn, its assets grew 1,568.1%. In the year to , deposits at United Fidelity Bank, fsb rose 1.5% while its total assets rose 2.0%. At , United Fidelity Bank, fsb employed 351 full-time equivalent staff across 22 offices, about $18.5 mn of assets per employee and $255.6 mn of deposits per office.
How much funding at United Fidelity Bank, fsb is uninsured?
At United Fidelity Bank, fsb, uninsured deposits (above the FDIC limit) made up 18.30% of domestic deposits at (+5.13 pp on a year earlier); United Fidelity Bank, fsb ranks 424th of 500 on this measure. In dollars, United Fidelity Bank, fsb estimated $969.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.6 bn | +1.5% | 222nd of 499 |
| Net loans and leases | $3.4 bn | -3.4% | 295th of 500 |
| Loan-to-deposit ratio | 59.66% | -3.06 pp | 459th of 500 |
| Tier 1 leverage ratio | 10.16% | +0.68 pp | 277th of 500 |
| Total risk-based capital ratio | 15.09% | +0.55 pp | 163rd of 448 |
| Net interest margin | -0.46% | +0.39 pp | 500th of 500 |
| Return on assets (ROA) | -0.09% | +0.31 pp | 494th of 500 |
| Efficiency ratio | 127.86% | +29.75 pp | 499th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $80.3 mn | Narrowed by $13.8 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $50.0 mn | Narrowed by $13.0 mn | |
| Noncurrent loans to total loans | 0.49% | -0.10 pp | 190th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | +0.00 pp | 95th of 500 (1 = lowest) |
US rank of United Fidelity Bank, fsb: 1 = highest unless marked 1 = lowest.
Balance sheet
United Fidelity Bank, fsb: assets, deposits and loans
- Total assets $6.5bn
- Deposits $5.6bn
- Net loans $3.4bn
Capital and securities
The CET1 ratio of United Fidelity Bank, fsb stood at 11.08% in , +0.91 pp year on year. Low and high at United Fidelity Bank, fsb since : 6.84% () to 27.68% (). Equity capital of United Fidelity Bank, fsb at : $652.5 mn, or 10.0% of total assets. United Fidelity Bank, fsb also reported a total capital ratio of 15.09% for , and a tier 1 leverage ratio of 10.16%.
On held-to-maturity securities, United Fidelity Bank, fsb carried an unrealized loss of $80.3 mn at , equal to 12.3% of equity capital. The loss narrowed by $13.8 mn over the year. Its deepest point: $109.6 mn in . The available-for-sale portfolio of United Fidelity Bank, fsb showed an unrealized loss of $50.0 mn at ; the loss narrowed by $13.0 mn over the year.
United Fidelity Bank, fsb: capital ratios
- Total capital 15%
- CET1 11%
- Tier 1 leverage 10%
United Fidelity Bank, fsb: unrealized securities gains and losses
- Available for sale -$50mn
- Held to maturity -$80mn
Profitability and loan quality
For the year to , United Fidelity Bank, fsb earned a return on equity of -0.86%; return on assets: -0.09%. Net interest margin at United Fidelity Bank, fsb: -0.46%, +0.39 pp in a year. United Fidelity Bank, fsb net income: -$2.8 mn, down 77.9% year on year. The efficiency ratio of United Fidelity Bank, fsb was 127.86%: about 128 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 0.49% of total loans at United Fidelity Bank, fsb; net charge-offs: 0.01% of average loans. Gross loans and leases at United Fidelity Bank, fsb: $3.4 bn, down 3.3% in a year.
United Fidelity Bank, fsb: profitability
- Return on equity -0.9%
- Net interest margin -0.5%
- Return on assets -0.1%
Peer group of United Fidelity Bank, fsb
The peer group of United Fidelity Bank, fsb is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of United Fidelity Bank, fsb (federal savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Indiana. Against them, United Fidelity Bank, fsb shows CET1 ratio 11.08% against a peer median of 12.60%, return on equity -0.86% against a peer median of 12.87% and uninsured deposit share 18.30% against a peer median of 26.77%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| The Washington Trust Company, of Westerly | State nonmember bank | RI | $6.6 bn | 12.22% | 10.44% | 27.07% | |
| Horizon Bank | State nonmember bank | IN | $6.5 bn | 12.60% | 14.53% | 26.21% | |
| TrustCo Bank | Federal savings bank | NY | $6.5 bn | 14.48% | 12.45% | 21.99% | |
| United Fidelity Bank, fsb | Federal savings bank | IN | $6.5 bn | 11.08% | -0.86% | 18.30% | |
| Choice Financial Group | State nonmember bank | ND | $6.4 bn | not reported | 11.42% | 26.47% | |
| Northbrook Bank and Trust Company | National bank | IL | $6.4 bn | 11.16% | 17.31% | 39.70% | |
| Five Star Bank | State member bank | NY | $6.3 bn | 12.72% | 13.29% | 46.41% | |
. FDIC Call Reports.
Last eight quarters
Two years at United Fidelity Bank, fsb, to : assets +1.7%, deposits +2.2%, equity +8.7%. Staff 303 to 351; offices 23 to 22.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.4 bn | $6.4 bn | $6.3 bn | $6.4 bn | $6.3 bn | $6.3 bn | $6.3 bn | $6.5 bn |
| Total deposits | $5.5 bn | $5.5 bn | $5.5 bn | $5.5 bn | $5.4 bn | $5.4 bn | $5.5 bn | $5.6 bn |
| Bank equity capital | $600.2 mn | $597.1 mn | $599.1 mn | $604.5 mn | $621.8 mn | $648.8 mn | $643.9 mn | $652.5 mn |
| CET1 ratio | 9.77% | 9.89% | 9.96% | 10.17% | 10.52% | 10.94% | 10.99% | 11.08% |
| Return on equity (ROE) | 0.34% | 1.68% | -8.74% | -4.20% | -1.99% | -0.92% | -2.40% | -0.86% |
| Uninsured share of domestic deposits | 10.91% | 14.92% | 13.64% | 13.17% | 14.48% | 16.24% | 17.58% | 18.30% |
| Full-time equivalent employees | 303 | 306 | 308 | 307 | 324 | 330 | 342 | 351 |
| Number of offices | 23 | 23 | 22 | 22 | 22 | 22 | 22 | 22 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of United Fidelity Bank, fsb, oldest first; figures before and after each event are not like for like.
- . Absorbed Bank of St. Croix, Inc. (FDIC certificate 33990).
- . Acquired the failed Fayette County Bank from the FDIC as receiver (FDIC certificate 1802).
- . Acquired the failed First City Bank of Florida from the FDIC as receiver (FDIC certificate 16748).
- . Absorbed International City Bank Federal Savings Bank (FDIC certificate 25648).
- . Absorbed Community Banks of Shelby County (FDIC certificate 920).
Large one-quarter moves at United Fidelity Bank, fsb
- Total assets at United Fidelity Bank, fsb changed by +26.0% in the quarter to 2017-03-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Bank of St. Croix, Inc..
- Total assets at United Fidelity Bank, fsb changed by +53.1% in the quarter to 2021-12-31: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from International City Bank Federal Savings Bank.
Questions and identifiers
What were the total assets of United Fidelity Bank, fsb?
United Fidelity Bank, fsb reported $6.5 bn at in its Call Report. That makes United Fidelity Bank, fsb the 235th largest of 497 banks in our US coverage.
Is United Fidelity Bank, fsb the same as its holding company?
No. This page covers United Fidelity Bank, fsb, FDIC certificate 29566; PEDCOR FINANCIAL LLC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is United Fidelity Bank, fsb profitable?
United Fidelity Bank, fsb reported net income of -$2.8 mn for the year to ; annualized return on equity: -0.86%. So no: United Fidelity Bank, fsb made a loss over these months.
When is data for United Fidelity Bank, fsb next updated?
Figures from United Fidelity Bank, fsb for are due after .
Where can I check the figures for United Fidelity Bank, fsb?
In the FDIC BankFind Suite record for certificate 29566, and in the Call Reports of United Fidelity Bank, fsb (RSSD ID 391575) at the FFIEC Central Data Repository.