BlastPoint's Banking Scorecard
United Fidelity Bank, fsb
Evansville, IN
22 branches across IN · IL · FL · CO · VI
United Fidelity Bank, fsb has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 21.86% below tier average
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 46.1% in tier
- - Return on Assets 1.61% below tier average
- - Net Interest Margin 4.32% below tier average
- - Efficiency Ratio 100.27% above tier average
- - Non-Interest-Bearing Deposit Share 15.48% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.3B
-0.0% YoY
+0.6% QoQ
|
+$3.5B |
$2.8B
-0.1% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
Top 9.5% in tier |
| Total Loans ? |
$3.4B
-4.9% YoY
-0.6% QoQ
|
+$1.4B |
$2.0B
+0.6% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
85% |
| Total Deposits ? |
$5.5B
-0.7% YoY
+1.0% QoQ
|
+$3.1B |
$2.3B
-0.3% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
Top 8.5% in tier |
| Return on Assets ? |
-0.25%
+70.2% YoY
-175.5% QoQ
|
-1.61% |
1.37%
+19.6% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.7% in tier |
| Net Interest Margin ? |
-0.50%
+40.4% YoY
+37.2% QoQ
|
-4.32% |
3.82%
+6.9% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio ? |
161.33%
+27.0% YoY
+61.3% QoQ
|
+100.27% |
61.06%
-4.6% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 0.3% in tier |
| Delinquency Rate ? |
0.48%
-10.6% YoY
-25.4% QoQ
|
-0.41% |
0.89%
+14.1% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
62.35%
-4.3% YoY
-1.6% QoQ
|
-21.86% |
84.20%
+0.3% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Top 9.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.81%
-16.2% YoY
-4.9% QoQ
|
-15.48% |
21.29%
-2.5% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.1% in tier |
| Nonperforming Asset Ratio ? |
0.26%
-15.8% YoY
-26.5% QoQ
|
-0.42% |
0.67%
+15.6% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
13.15%
+9.0% YoY
+0.4% QoQ
|
-2.01% |
15.16%
+2.0% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
-23.5% YoY
-83.2% QoQ
|
+0.06% |
0.26%
+1.6% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
Top 12.2% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.