BlastPoint's Banking Scorecard
United Fidelity Bank, fsb
Mid-Market
Specialty: Commercial
IN
FDIC cert 29566
Evansville, IN
201
banks in Mid-Market tier nationally
10 in IN
View Mid-Market leaderboard (IN) →
United Fidelity Bank, fsb has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 22.10% below tier
- + Non-Interest Income / Assets 0.93% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 44% in Mid-Market
- - Efficiency Drag: Bottom 50% in Mid-Market
- - Return on Assets 1.25% below tier
- - Net Interest Margin 4.20% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.3B
-1.0% YoY
+0.1% QoQ
|
-$4.2B |
$10.5B
+2.9% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$3.4B
-5.0% YoY
-0.6% QoQ
|
-$3.7B |
$7.1B
+4.5% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$5.4B
-1.9% YoY
-0.4% QoQ
|
-$3.1B |
$8.5B
+3.0% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
-0.09%
-157.5% YoY
+53.1% QoQ
|
-1.25% |
1.16%
+9.4% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
-0.80%
+15.8% YoY
+6.4% QoQ
|
-4.20% |
3.40%
+7.9% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
100.00%
+35.5% YoY
+0.8% QoQ
|
+43.40% |
56.60%
-3.2% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.64%
+29.1% YoY
-23.7% QoQ
|
-0.04% |
0.68%
+12.0% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
63.37%
-3.2% YoY
-0.2% QoQ
|
-22.10% |
85.47%
+1.1% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.11%
-9.2% YoY
-2.2% QoQ
|
-14.53% |
20.64%
-0.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.35%
+23.0% YoY
-24.3% QoQ
|
-0.15% |
0.50%
+7.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
13.04%
+8.7% YoY
+2.9% QoQ
|
-0.51% |
13.55%
+1.8% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.89%
-20.1% YoY
+33.6% QoQ
|
+0.93% |
0.96%
+7.1% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 8%
in Mid-Market
Why this stands out
Current:
63.37%
(Tier avg: 85.47%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Top 7%
in Mid-Market
Why this stands out
Current:
1.89%
(Tier avg: 0.96%, National avg: 0.65%)
Concerns (4)
Deposit Outflow
decline
#15 of 33 · Bottom 44% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Efficiency Drag
risk
#5 of 9 · Bottom 50% in Mid-Market
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
100.00%
(Tier: 56.60%, National: 65.09%)
9 of 9 Mid-Market banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 4%
in Mid-Market
Why this stands out
Current:
-0.09%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
-0.80%
(Tier avg: 3.40%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest Income / Assets
Current: 1.89% · Tier avg: 0.96%
92
92th pctile
Loan-to-Deposit Ratio
Current: 63.37% · Tier avg: 85.47%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
51
51th pctile
Tier 1 Capital Ratio
Current: 13.04% · Tier avg: 13.55%
47
47th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.68%
28
28th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
23
23th pctile
Total Assets
Current: $6.3B · Tier avg: $10.5B
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 6.11% · Tier avg: 20.64%
10
10th pctile
Total Loans
Current: $3.4B · Tier avg: $7.1B
4
4th pctile
Return on Assets
Current: -0.09% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 100.00% · Tier avg: 56.60%
0
0th pctile
Net Interest Margin
Current: -0.80% · Tier avg: 3.40%
Top Weaknesses
0
0th pctile
Net Interest Margin
Current: -0.80% · Tier avg: 3.40%
1
1th pctile
Efficiency Ratio
Current: 100.00% · Tier avg: 56.60%
4
4th pctile
Return on Assets
Current: -0.09% · Tier avg: 1.16%
10
10th pctile
Total Loans
Current: $3.4B · Tier avg: $7.1B
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 6.11% · Tier avg: 20.64%
23
23th pctile
Total Assets
Current: $6.3B · Tier avg: $10.5B
28
28th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
47
47th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.68%
51
51th pctile
Tier 1 Capital Ratio
Current: 13.04% · Tier avg: 13.55%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
92
92th pctile
Loan-to-Deposit Ratio
Current: 63.37% · Tier avg: 85.47%
93
93th pctile
Non-Interest Income / Assets
Current: 1.89% · Tier avg: 0.96%