Total Assets
$6.3B
Total balance-sheet footings
FDIC Cert #29566 · Evansville, Indiana · Est. 1931
United Fidelity Bank, fsb - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $6.3B
- Total assets
- D
- Health grade · Weak
- -0.09%
- Return on assets
- 10.9%
- Tier 1 capital
Data updated July 2026
The verdict
United Fidelity Bank, fsb earns a PlainBankData health grade of D (48/100), with well-capitalized at 10.94% Tier 1, -0.09% ROA, 100% efficiency ratio.
- #241
- largest of 4,313 FDIC banks by assets
- 94th
- percentile by asset size, nationally
- 10.94%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How United Fidelity Bank, fsb's 48/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Fidelity Bank, fsb's composite health score
Tier 1 Capital Ratio (10.94%) 28/40
Return on Assets (ROA) (-0.09%) 0/25
Texas Ratio (3.02%) 20/20
Efficiency Ratio (100.00%) 0/15
48 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$5.4B
Customer-funded liabilities
Net Loans
$3.4B
Outstanding loan book
Net Income
$-5,641K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Fidelity Bank, fsb ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Fidelity Bank, fsb's score of 48/100 falls in the highlighted band.
United Fidelity Bank, fsb's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Fidelity Bank, fsb's $6.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.94% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.94%
Texas Ratio
3.02%
Equity Capital
$649M
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
-0.09%
Return on Equity (ROE)
-0.92%
Efficiency Ratio
100.00%
What the numbers say about United Fidelity Bank, fsb
United Fidelity Bank, fsb is an FDIC-insured institution (Certificate #29566) headquartered in Evansville, Indiana, established in 1931. It holds $6.3B in total assets - 241st of 4,313 FDIC-insured banks, $5.4B in customer deposits, and $3.4B in net loans. Capital-wise, the Tier 1 ratio sits at 10.94%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.02%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of D (48 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, United Fidelity Bank, fsb sits in the top decile of all FDIC-insured institutions by asset size (241st of 4,313), and within Indiana it ranks 9th of 90 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is First Financial Bank, at $5.7B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$181M
Interest Income
$119M
Non-Interest Income
$79M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Fidelity Bank, fsb reports a Texas Ratio of 3.02% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.02% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at United Fidelity Bank, fsb
United Fidelity Bank, fsb's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-5,641K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at United Fidelity Bank, fsb up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Fidelity Bank, fsb (FDIC Cert #29566) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is United Fidelity Bank, fsb's health grade?▼
United Fidelity Bank, fsb receives a health grade of D (48/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is United Fidelity Bank, fsb?▼
United Fidelity Bank, fsb holds $6.3B in total assets and $5.4B in deposits, ranking 241st of 4,313 FDIC-insured banks by asset size. It is headquartered in Evansville, Indiana.
Is my money safe at United Fidelity Bank, fsb?▼
Yes, deposits at United Fidelity Bank, fsb (Certificate #29566) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Fidelity Bank, fsb's Tier 1 Capital Ratio?▼
United Fidelity Bank, fsb has a Tier 1 Capital Ratio of 10.94%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for United Fidelity Bank, fsb?▼
United Fidelity Bank, fsb has a Texas Ratio of 3.02%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United Fidelity Bank, fsb?▼
United Fidelity Bank, fsb has an Efficiency Ratio of 100.00%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Fidelity Bank, fsb's profile as a depositor or analyst.
- United Fidelity Bank, fsb's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Fidelity Bank, fsb against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.