BlastPoint's Banking Scorecard

United Fidelity Bank, fsb

$1B-$10B Specialty: Commercial IN FDIC cert 29566

Evansville, IN

22 branches across IN · IL · FL · CO · VI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
Deposits +1.5% year over year ($5.6B on the books).
Delinquency rate 0.50%.
Return on assets -0.09%.
Efficiency ratio 127.86% vs a 59.73% peer average.
Loan-to-deposit ratio 59.66% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in IN

View $1B-$10B leaderboard (IN) →

United Fidelity Bank, fsb has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.48% below tier average
- Net Interest Margin 4.33% below tier average
- Efficiency Ratio 68.13% above tier average
- Non-Interest-Bearing Deposit Share 15.20% below tier average

Get updates when United Fidelity Bank, fsb releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$6.5B +2.0% YoY +2.5% QoQ	+$3.7B	$2.8B -0.6% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	Top 8.6% in tier
Total Loans ?	$3.4B -3.4% YoY -1.7% QoQ	+$1.4B	$2.0B -0.3% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	84%
Total Deposits ?	$5.6B +1.5% YoY +2.7% QoQ	+$3.3B	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Top 7.2% in tier
Return on Assets ?	-0.09% +77.9% YoY +64.4% QoQ	-1.48%	1.39% +17.0% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	Bottom 1.5% in tier
Net Interest Margin ?	-0.46% +45.9% YoY +7.8% QoQ	-4.33%	3.87% +6.2% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	Bottom 0.1% in tier
Efficiency Ratio ?	127.86% +30.3% YoY -20.7% QoQ	+68.13%	59.73% -12.6% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	Bottom 0.3% in tier
Delinquency Rate ?	0.50% -16.5% YoY +3.7% QoQ	-0.37%	0.87% +11.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	52%
Loan-to-Deposit Ratio ?	59.66% -4.9% YoY -4.3% QoQ	-25.37%	85.04% -0.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	Top 6.9% in tier
Non-Interest-Bearing Deposit Share ?	6.07% -1.6% YoY +4.4% QoQ	-15.20%	21.27% -1.5% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	Bottom 5.4% in tier
Nonperforming Asset Ratio ?	0.26% -21.1% YoY -0.6% QoQ	-0.42%	0.67% +11.7% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	67%
Tier 1 Capital Ratio ?	13.26% +7.7% YoY +0.8% QoQ	-1.58%	14.84% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.73% -26.0% YoY +128.7% QoQ	+0.20%	0.53% +2.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	Top 10.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Noninterest-Bearing	6.1% -0.1pp YoY +0.3pp QoQ	-15.3pp	21.4%	16.8%	22.2%	5%
Brokered Deposits	20.5% -14.4pp YoY -1.9pp QoQ	+11.1pp	9.5%	7.2%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	0.7% -0.1pp YoY -0.1pp QoQ	-13.3pp	14.0%	11.1%	12.5%	2%
CRE	94.3% +0.1pp YoY +0.2pp QoQ	+44.3pp	50.0%	36.2%	41.4%	100%
1-4 Family	3.8% -0.1pp YoY 0.0pp QoQ	-22.6pp	26.4%	40.0%	31.3%	5%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	3.2%	5.0%	10%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	11.1% +0.9pp YoY +0.1pp QoQ	-4.5pp	15.6%	17.5%	19.7%	11%
Leverage Ratio	10.2% +0.7pp YoY 0.0pp QoQ	-1.2pp	11.3%	13.0%	12.6%	40%
Total Capital Ratio	15.1% +0.5pp YoY +0.1pp QoQ	-1.6pp	16.7%	18.7%	20.8%	57%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	351 +44 (+14.3%) YoY +9 (+2.6%) QoQ	+37	313	237	482	73%
Assets per Employee ($)	$18.5M -10.8% YoY -0.1% QoQ	+$8.0M	$10.5M	$7.5M	$8.8M	94%
Branch Count	20 0 YoY 0 QoQ	-0	20	17	18	65%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	37%
Nonaccrual	0.5% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.8%	0.8%	1.0%	47%
Allowance Coverage	4.90x +24.4% YoY -2.0% QoQ	-13.81x	18.71x	6.71x	20.23x	78%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	29%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	-0.9% +3.3pp YoY +1.5pp QoQ	-13.5pp	12.6%	11.2%	11.6%	1%
Cost of Funds (YTD)	4.0% -0.4pp YoY 0.0pp QoQ	+2.1pp	1.9%	1.8%	1.7%	100%
Net Income ($, YTD)	$-2790000.0 +77.9% YoY — QoQ	-$22.0M	$19.2M	$16.3M	$40.4M	1%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 59.66%

Peer Median: 85.04%

#62 of 885 Top 6.9% in $1B-$10B

Total Deposits

size

Value: $5.62B

Peer Median: $2.32B

#65 of 885 Top 7.2% in $1B-$10B

Total Assets

size

Value: $6.49B

Peer Median: $2.79B

#77 of 885 Top 8.6% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.73%

Peer Median: 0.53%

#93 of 885 Top 10.4% in $1B-$10B

140

Total Loans

size

Value: $3.35B

Peer Median: $1.96B

#140 of 885 Top 15.7% in $1B-$10B

Top Weaknesses (4 metrics)

885

Net Interest Margin

profitability

Value: -0.46%

Peer Median: 3.87%

#885 of 885 Bottom 0.1% in $1B-$10B

883

Efficiency Ratio

profitability

Value: 127.86%

Peer Median: 59.73%

#883 of 885 Bottom 0.3% in $1B-$10B

873

Return on Assets

profitability

Value: -0.09%

Peer Median: 1.39%

#873 of 885 Bottom 1.5% in $1B-$10B

838

Non-Interest-Bearing Deposit Share

funding

Value: 6.07%

Peer Median: 21.27%

#838 of 885 Bottom 5.4% in $1B-$10B