United Fidelity Bank, fsb
Evansville, Indiana, Vanderburgh County
$6.5B in total assets, the 245th largest of 4,309 US banks and 9th of 89 headquartered in Indiana.
- FDIC certificate
- 29566
- Established
- 1931
- Owned by
- Pedcor Financial Llc
- Primary regulator
- OCC
- Website
- www.unitedfidelity.com
At a glance
Compared with 16 banks headquartered in Indiana with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.5B | 75% | $3.1B | |
| Loans | $3.4B | 62% | $2.0B | |
| Deposits | $5.6B | 81% | $2.8B | |
| Return on assets | 0.07% | 12% | 1.40% | |
| Net interest margin | -0.46% | 2% | 3.68% | |
| Efficiency ratio | 127.9% | 98% | 55.8% | |
| Equity to assets | 10.05% | 62% | 9.50% | |
| Loans to deposits | 61% | 6% | 86% |
Growth
Total assets grew 29.5% a year over the last 5 years and 32.5% a year over 10 years, including 5 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2022 | Community Banks of Shelby County Cowden, IL | $67M |
| Nov 2021 | International City Bank Federal Savings Bank Long Beach, CA | $513M |
| Oct 2020 | First City Bank of Florida Fort Walton Beach, FL | $137M |
| May 2017 | Fayette County Bank Saint Elmo, IL | $34M |
| Feb 2017 | Bank of St. Croix, Inc. Christiansted, VI | $144M |
| Jul 2015 | Premier Bank Denver, CO | $27M |
| Jan 2015 | Highland Community Bank Chicago, IL | $55M |
| May 2014 | Columbia Savings Bank Cincinnati, OH | $36M |
| Dec 1976 | United Savings Association Evansville, IN | n/a |
Where they operate
22 branches in 14 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Vanderburgh County, IN | $3.6B | 30.1% | 2 of 13 |
| Hamilton County, IN | $424M | 1.4% | 11 of 32 |
| Okaloosa County, FL | $329M | 6.3% | 7 of 22 |
| Saint Croix County, VI | $325M | 29.3% | 2 of 4 |
| Lee County, FL | $229M | 1.1% | 21 of 34 |
| Posey County, IN | $114M | 25.6% | 2 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 10 branches since 2016 (12 to 22, +83.3%). 3 opened, 9 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 12 | |||
| 2016 | Opened Evansville and Fort Branch | 2 | 0 | +2 | 14 |
| 2017 | Acquired Fayette County Bank and Bank of St. Croix, Inc.Opened Fort Myers | 4 | 0 | +4 | 18 |
| 2019 | Closed Cincinnati | 0 | 1 | −1 | 17 |
| 2020 | Acquired First City Bank of Florida | 2 | 0 | +2 | 19 |
| 2021 | Acquired International City Bank Federal Savings Bank | 1 | 0 | +1 | 20 |
| 2022 | Acquired Community Banks of Shelby County | 3 | 0 | +3 | 23 |
| 2025 | Sold 1 branch to American Plus Bank, N.A. | 0 | 1 | −1 | 22 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Multifamily | 90% | 7% | |
| 1-4 family residential | 4% | 24% | |
| Commercial real estate | 2% | 29% | |
| Business (C&I) | 1% | 18% | |
| Construction and land | 0% | 8% | |
| Farmland | 0% | 6% | |
| Consumer | 0% | 3% | |
| Agricultural | 0% | 2% | |
| Other | 3% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 57% | 21% | |
| Other interest-bearing | 36% | 61% | |
| Noninterest-bearing | 6% | 19% |
Brokered deposits are 20.5% of deposits (peers 3.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.49% | 0.59% |
| Net charge-offs, annualized | 0.01% | 0.05% |
| Reserves to loans | 2.38% | 1.30% |
| Leverage ratio | 10.16% | 10.34% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Indiana
Largest competitors in Vanderburgh County, IN
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/united-fidelity