United Fidelity Bank, fsb is a savings bank headquartered in Evansville, Indiana, in business for about 95 years. At the end of Q2 2026 it reported $6.5B in total assets and $5.6B in deposits, with 22 offices across 5 states.
Based on its Q2 2026 filing, United Fidelity Bank, fsb scores 64/100, which we describe as moderate. That is higher than only 33% of 897 banks with $1 billion – $10 billion. Among 88 banks headquartered in Indiana, it ranks 50th. Its strongest component is funding & liquidity (98/100; 60% loans-to-deposits, 17% uninsured), and its lowest is earnings (16/100; -0.09%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (59 → 64), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 60 |
| Q4 2024 | 62 |
| Q1 2025 | 57 |
| Q2 2025 | 59 |
| Q3 2025 | 59 |
| Q4 2025 | 62 |
| Q1 2026 | 62 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.11% |
| Q3 2024 | 9.14% |
| Q4 2024 | 9.24% |
| Q1 2025 | 9.33% |
| Q2 2025 | 9.48% |
| Q3 2025 | 9.77% |
| Q4 2025 | 10.08% |
| Q1 2026 | 10.13% |
| Q2 2026 | 10.16% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.82% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.49% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.15% |
| Q1 2025 | -0.82% |
| Q2 2025 | -0.40% |
| Q3 2025 | -0.19% |
| Q4 2025 | -0.09% |
| Q1 2026 | -0.25% |
| Q2 2026 | -0.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $6.5B | 10.16% | 0.49% | -0.09% | 59.7% |
| Q1 2026 | 62 | $6.3B | 10.13% | 0.47% | -0.25% | 62.3% |
| Q4 2025 | 62 | $6.3B | 10.08% | 0.63% | -0.09% | 63.4% |
| Q3 2025 | 59 | $6.3B | 9.77% | 0.82% | -0.19% | 63.5% |
| Q2 2025 | 59 | $6.4B | 9.48% | 0.58% | -0.40% | 62.7% |
| Q1 2025 | 57 | $6.3B | 9.33% | 0.53% | -0.82% | 65.1% |
| Q4 2024 | 62 | $6.4B | 9.24% | 0.49% | 0.15% | 65.4% |
| Q3 2024 | 60 | $6.4B | 9.14% | 0.55% | 0.03% | 66.8% |
| Q2 2024 | 70 | $6.4B | 9.11% | 0.09% | 0.72% | 67.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Horizon BankBank Michigan City, IN | 72 out of 100, Strong | $6.5B | 10.5% | 0.70% | vs |
| First Financial Bank, National AssociationBank Terre Haute, IN | 68 out of 100, Moderate | $6.2B | 10.4% | 0.61% | vs |
| Lake City BankBank Warsaw, IN | 73 out of 100, Strong | $7.2B | 11.9% | 0.36% | vs |
| First Internet Bank of IndianaBank Fishers, IN | 42 out of 100, Below average | $5.5B | 7.6% | 1.56% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| 1st Source BankBank South Bend, IN | 75 out of 100, Strong | $9.3B | 13.7% | 0.99% | vs |
Deposit insurance
Is my money safe at United Fidelity Bank, fsb?
Yes. United Fidelity Bank, fsb is an FDIC-insured institution (FDIC certificate #29566). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.2% of deposits ($969.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.16%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.09% (benchmark: 10%).
22 locations
Branches
United Fidelity Bank, fsb lists 22 offices in 16 cities across 5 states. Most locations:
- Evansville, IN (5)
- Chicago, IL (2)
- Christiansted, VI (2)
- Aurora, CO (1)
- Carmel, IN (1)
- Cowden, IL (1)
- Denver, CO (1)
- Destin, FL (1)
- Fort Branch, IN (1)
- Fort Myers, FL (1)
- Fort Walton Beach, FL (1)
- Herrick, IL (1)
HMDA 2025
Mortgage lending
In 2025, United Fidelity Bank, fsb reported 35 home-loan applications under HMDA (LEI 549300RV3BMT6ES6TO70): 15 originated ($54,515,000 total), 9 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 37.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- United Fidelity Bank, fsb
- Former names
- Evansville Federal Savings and Loan Association; Evansville Federal Savings Bank
- Type
- Savings bank
- FDIC certificate #
- 29566
- RSSD ID
- 391575
- Primary regulator
- OCC
- Holding company
- Pedcor Financial Llc
- Established
- January 1, 1931
- Headquarters
- 18 Nw 4th St, Evansville, IN 47708
- Website
- www.unitedfidelity.com
- Employees
- 351
Quick answers
United Fidelity Bank, fsb: common questions
Is United Fidelity Bank, fsb FDIC insured?
Yes. United Fidelity Bank, fsb is an FDIC-insured institution (FDIC certificate #29566). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Fidelity Bank, fsb's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Fidelity Bank, fsb ever failed?
There is no failure record for FDIC certificate #29566 in the FDIC failed bank list.
How many branches does United Fidelity Bank, fsb have?
22 offices as of the latest FDIC data, in 5 states.
Nearby
Highest-scoring banks and credit unions with branches near Evansville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Green River Area Federal Credit UnionCredit union Owensboro, KY | 89 out of 100, Very strong | $60.3M | 20.7% | 0.53% | vs |
| Owensboro Federal Credit UnionCredit union Owensboro, KY | 88 out of 100, Very strong | $88.3M | 14.2% | 0.26% | vs |
| Evansville Firefighters Federal Credit UnionCredit union Evansville, IN | 81 out of 100, Strong | $33.8M | 12.4% | 0.00% | vs |
| Diamond Valley Federal Credit UnionCredit union Evansville, IN | 78 out of 100, Strong | $178.8M | 12.9% | 0.72% | vs |
| United Community Bank of West Kentucky, Inc.Bank Morganfield, KY | 78 out of 100, Strong | $524.9M | 11.0% | 0.11% | vs |
| Heritage Federal Credit UnionCredit union Newburgh, IN | 77 out of 100, Strong | $1.0B | 12.3% | 0.33% | vs |