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United Fidelity Bank, fsb
Evansville, IN·FDIC Cert #29566·Charter: OCC·Est. 19310101.0·HC: PEDCOR FINANCIAL LLC
Total Assets
$6.3B
Q4 2025
Return on Assets
-0.09%
+0.10%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
100.00%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
46
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-0.09%+0.10
ROE
-0.92%+1.07
Efficiency
100.00%+0.76
Equity/Assets
0.00%+0.00
NPL Ratio
0.64%-0.20
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
63.37%-0.13
Charge-offs
0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.0 | 0.7 | 0.0 | 0.2 | -0.8 | -0.4 | -0.2 | -0.1 |
| ROE | 22.4 | 8.0 | 0.3 | 1.7 | -8.7 | -4.2 | -2.0 | -0.9 |
| Efficiency | 30.3 | 52.9 | 89.7 | 73.8 | 127.1 | 98.1 | 99.2 | 100.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.6 | 0.5 | 0.5 | 0.6 | 0.8 | 0.6 |
| Charge-offs | 0.0 | 0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 69.9 | 67.8 | 66.8 | 65.4 | 65.1 | 62.7 | 63.5 | 63.4 |
Balance Sheet
Total Assets$6.3B
Total Deposits$5.4B
Total Loans$3.4B
Total Equity$645.2M
Profitability
ROA-0.09%
ROE-0.92%
Efficiency Ratio100.00%
Net Income$-5.6M
Risk & Asset Quality
NPL Ratio0.64%
Charge-off Rate0.00%
Loan/Deposit63.37%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans