# UNITED FIDELITY BANK FSB
EVANSVILLE, IN · FDIC certificate 29566 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.49B | |
| Deposits | $5.62B | |
| Loans and leases | $3.44B | |
| Total equity | $652.5M | |
| Loans / deposits | 59.66% (p8 of band) | 87.10% |
| Liquid assets / assets | 26.98% (p70 of band) | |
| Uninsured deposits / deposits | 17.24% (p12 of band) | 30.76% |
| Brokered deposits | 17.77% | |
| Wholesale funding | 18.58% (p87 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.16% (p41 of band) | 10.50% |
| Unrealized securities loss / equity | -19.98% (p20 of band) | -7.75% |
| AOCI / equity | -0.39% (p43 of band) | |
| ROA (annualized) | -0.09% (p2 of band) | 1.26% |
| Net interest margin | -0.46% (p0 of band) | 3.70% |
| Efficiency ratio | 127.86% (p100 of band) | |
| Noncurrent loans | 0.49% (p49 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 489.53% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 0.63% (p5 of band) | |
| Auto loans | $357,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 351 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 4 | noncurrent p90 |  |
| 2011-09 | 3 |  | noncurrent p90 |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking | securities losses >30% of equity |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 | noncurrent p90 | wholesale funding >15%, deposits shrinking |
| 2013-03 | 5 | wholesale funding >15%, deposits shrinking |  |
| 2013-06 | 4 |  | assets shrinking |
| 2013-09 | 4 | capital falling | deposits shrinking |
| 2013-12 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | reserve under noncurrent |  |
| 2014-09 | 2 |  | reserve under noncurrent |
| 2014-12 | 1 | reserve under noncurrent | wholesale funding >15%, capital falling |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 |  | capital falling, noncurrent p90 |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 4 | capital falling, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2017-06 | 3 |  | expense ratio p90 |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | NIM <2.5% |  |
| 2018-06 | 4 | capital falling |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | capital falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | uninsured deposits >50% |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | losing money, expense ratio p90 | uninsured deposits >50% |
| 2020-06 | 6 | uninsured deposits >50% |  |
| 2020-09 | 4 | capital falling | noncurrent p90, losing money, uninsured deposits >50% |
| 2020-12 | 3 | uninsured deposits leaving | expense ratio p90, capital falling |
| 2021-03 | 3 | expense ratio p90 | uninsured deposits leaving |
| 2021-06 | 2 |  | expense ratio p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 4 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 4 | securities losses >30% of equity |  |
| 2022-12 | 5 | capital falling |  |
| 2023-03 | 3 |  | securities losses >30% of equity, capital falling |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | securities losses >30% of equity |  |
| 2023-12 | 4 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | expense ratio p90 |  |
| 2024-12 | 4 | securities losses >30% of equity | uninsured deposits leaving, expense ratio p90 |
| 2025-03 | 5 | losing money, expense ratio p90 | securities losses >30% of equity |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-12 [List of failed banks: How many banks failed in the past 10 years? - Yahoo Finance](https://news.google.com/rss/articles/CBMilgFBVV95cUxQTGZ2ajVKNWZHVzlSdmJyZ1BMSG5JNUxlY0h4SzRXWWRVVjJWTFBGb01EMi1WaW5ad3UyN3ZQTTlXQVI3N0lEeXF3SF9jTlFSQ3ZqY0xDSDIxWWxoanRRMlhGVGN6RjhJMUZHQk4xRk4zeXAyS1RzNlZINUxNem5HcFI2WFFLZV9VbUdzNVpwNGR4UmJEUVE?oc=5) · Yahoo Finance
- 2025-05-07 [American Plus Bank Completes Acquisition of United Fidelity Bank, fsb Doing Business as International City Bank in Long Beach - Business Wire](https://news.google.com/rss/articles/CBMijgJBVV95cUxPRXJRT3ZYaXBBZVFWcHItUWNTVXBSYVBNZlZMcmkyZnBycEhLU0tKSmo3NG4zWVRIcWRneVJfUmxZOFRGTlZOdDJyODJWakd5aFJSVExBLVhvNGE4bzBfbGhvYkg4WDJWY0dNWi1Nb2dGYWJJSUN2NFVBZXlSQlpXbjhDdUg0U2R4bkRueUVwM3gxellWSERKSDVnSC1oaU92cDQ2MXF4Wk1xY1JPWTVCUU1zb1FWNWpzb1M3Ny1wN0JBNEliTnkyVC0zUUw4SU5TXzNLZWlRcDZzNHNBUlM0RHV5c3JoYm1hVVd0VDBYUGtrcnUxQ2pNSFpiNE9wZ250SWcyckxXc2JJR1JwRVE?oc=5) · Business Wire
- 2024-11-07 [American Plus Bank, N.A. Agrees to Acquire Long Beach, California, Branch of United Fidelity Bank, fsb. - Business Wire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPQjhhMEhjTk5hN0JnbEl0LWZJeFIwOWZSZDVfUzloUEtUbzJTZkhxOWlxVWx0U1licUV0dEpJdzJvcS1FekR6NTc1SWlqVDlJMzZOZ2lDTUQ3R0tvb1pLODdMaFVZWk82YnJCYjJMeXdVNl9rQ2pQTHV6WWRzeXBzVTAtMUNHczd1Sm5nbmNRUGdaNFdiNUt3alFoMXpxc2ZzQm1ESDh0eHpUaEN5UG1meGladHpaZlY5aDU4d2dsSEI0dlB4Yk43UGZjVGxBZGdWOUZLSEpHMzdjTEM3Y0JmNC1pdERyVTlGUms4bQ?oc=5) · Business Wire
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2026-04-21 [Best 3-Year CD Rates Today: April 2026 — Earn Up to 4.10% APY - GOBankingRates](https://news.google.com/rss/articles/CBMicEFVX3lxTE5JSVVLNXBUQU9FeXVvNWtnX0ZyWmExZHY1Z25kay1BSHdIT0hHbV9YTUZKSmZYcXFGNlRhWXU5VWxhVmdoMFVxYVBLdG45OV9xdTJsdU93OFVObUJWLUhJYzJoeVNkblRJWDI1cWVvWDY?oc=5) · GOBankingRates
- 2026-04-21 [Best 5-Year CD Rates Today: April 2026 — Earn Up to 4.15% APY - GOBankingRates](https://news.google.com/rss/articles/CBMieEFVX3lxTE8zQzUtU0NVc2Nzd0VtUHJEWFVQUWdXaEY4SDF6cGRQYUFILV90eF9uUS1nbXY3VWgxNkNoUDBhaThGY0p0TzhkWWlxN1BPTk12RWhZMkdQdGlCdXczbFpFTkdiM1hJS190NW5Hd0lUWmVzdzJpdkkxNA?oc=5) · GOBankingRates

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29566 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/62.json (key "29566", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide