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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Indiana, the state note

United Fidelity Bank FSB

Evansville, Indiana · $6.49B in assets · beside the 9 other Indiana banks between $3B and $10B

The filing

61.1%
Loans / deposits
1st of 10
91.2%
CRE / loans
10th of 10
-0.09%
ROA
10th of 10

United Fidelity Bank FSB is the fifth largest of the 10 Indiana banks between $3B and $10B, with $6.49B in assets at 30 June 2026. Loans are 61.1% of deposits, the lowest in the cohort against a median of 84.7%, and equity is 10.0% of assets, 6th of 10. Loans grew -3.3% in the year, 9th of 10, and deposits grew 1.5%; the cohort's median loan growth is +3.2%.

Noncurrent loans are 0.49% of the book, 5th of 10 against a median of 0.55%; 0.18% is 30 to 89 days past due, and the allowance covers them 4.9 times. Commercial real estate is 91.2% of loans, the highest in the cohort against a median of 34.7%, and 430% of capital, above the 300% screen, with construction at 1% against the 100% screen.

Return on assets is -0.09%, the lowest in the cohort against a median of 1.50%, on an efficiency ratio of 128.2%, the highest in the cohort. Five years ago it was 1.17%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansIN banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 34.7% sS 1st Source Bank 10.7% SF Star Financial Bank 27.6% NB National Bank of Inpolis 28.4% FF First Farmers Bank & Trust Co. 33.8% HB Horizon Bank 34.1% LC Lake City Bank 35.2% FI First Internet Bank of Indiana 35.9% GA German American Bank 37.0% FF First Financial Bank N.A. 40.7% UF United Fidelity Bank FSB 91.2%
Loans, year over yearIN banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.2% NB National Bank of Inpolis +16.1% FF First Financial Bank N.A. +14.7% LC Lake City Bank +6.8% FF First Farmers Bank & Trust Co. +5.6% SF Star Financial Bank +3.2% GA German American Bank +3.2% sS 1st Source Bank +1.7% HB Horizon Bank -0.5% UF United Fidelity Bank FSB -3.3% FI First Internet Bank of Indiana -14.1%

SBA 7(a), FY2008 to FY2026

United Fidelity Bank FSB is the 138th largest 7(a) lender into California of 512, with $35M across 72 loans, 0.1% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 15 of its 16 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$24M90th of 3080.1%quiet FY2021
Orange, CA$6M111th of 2560.1%quiet FY2021
San Bernardino, CA$2M118th of 2130.1%quiet FY2021
Ventura, CA$2M88th of 1590.2%quiet FY2021
Larimer, CO$1M80th of 1330.1%quiet FY2010
Denver, CO$934K131st of 1930.0%quiet FY2014
Riverside, CA$590K184th of 2190.0%quiet FY2015
Clark, NV$540K171st of 2290.0%quiet FY2020
Jefferson, CO$500K141st of 1830.0%quiet FY2008
Saint Croix, VI$420K16th of 180.7%thin
Broomfield, CO$307K65th of 760.2%quiet FY2009
Fresno, CA$291K120th of 1380.0%quiet FY2020
San Diego, CA$270K219th of 2380.0%quiet FY2017
3 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade8$8M19.5%0.03%341st of 1,651
Accommodation & food services22$7M17.9%0.01%694th of 2,596
Real estate & leasing9$6M16.3%0.05%275th of 1,452
Manufacturing6$4M9.8%0.01%806th of 2,246
Professional & technical services6$4M9.8%0.01%525th of 1,955
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and United Fidelity Bank FSB
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans UF United Fidelity Bank, FSB 0.1% $35M · 72 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
United Fidelity Bank FSBRankCohort median
Total CRE against capital, the 300% screen430%10th of 10223%
Construction against capital, the 100% screen1%1st of 1049%
Construction and land development, share of loans0.1%1st of 108.3%
Non-owner-occupied nonfarm nonresidential, share of loans1.2%1st of 1016.7%
Total CRE, the guidance definition, share of loans91.2%10th of 1034.7%
CRE growth over 36 months, the third prong-10.3%1st of 10+37.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
1st Source Bank$9.26B2.0%46.5%0.99%0.12%2.3%97.2%13.6%
German American Bank$8.43B1.7%50.9%0.45%0.06%1.3%84.1%13.7%
Lake City Bank$7.24B1.6%45.8%0.36%0.08%1.3%88.0%10.4%
Horizon Bank$6.55B1.8%53.5%0.70%0.05%1.0%90.6%12.3%
United Fidelity Bank FSB$6.49B-0.1%128.2%0.49%0.01%2.4%61.1%10.0%
First Financial Bank N.A.$6.17B1.4%58.7%0.61%0.19%1.1%92.1%10.7%
First Internet Bank of Indiana$5.53B0.3%56.1%1.56%1.70%1.4%79.7%7.9%
First Farmers Bank & Trust Co.$3.50B1.6%46.9%1.00%-0.01%1.6%85.2%9.8%
Star Financial Bank$3.23B1.0%67.7%0.46%0.02%1.1%64.9%9.2%
National Bank of Inpolis$3.04B1.4%56.9%0.15%0.03%1.2%80.4%7.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
United Fidelity Bank FSBCohort median
20212026Change20212026Change
Loans$361M$3.44B+852%$2.72B$4.16B+53%
Deposits$1.46B$5.62B+284%$3.57B$5.16B+45%
NPA / loans1.22%0.49%-0.74 pts0.58%0.55%-0.03 pts
Efficiency66.9%128.2%+61.3 pts55.8%54.8%-1.0 pts
ROA1.17%-0.09%-1.26 pts1.31%1.50%+0.18 pts

This read was prepared for United Fidelity Bank FSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on United Fidelity Bank FSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IN banks $3B to $10B
Institution www.unitedfidelity.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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