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Overview / Commentary
812-424-0921
18 Nw Fourth Street
Evansville, IN 47708

United Fidelity Bank, fsb is headquartered in Evansville and is the 70th largest bank in the state of Indiana. It is also the 3,177th largest bank in the nation. It was established in 1931 and as of March of 2014, it had grown to 53 employees at 6 locations. United Fidelity Bank, fsb's money market rates are 14% higher than the national average, and it has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 United Fidelity Bank, fsb had $3.93 million in non-current loans and owned real-estate with $22.37 million in equity and loan loss allowances on hand to cover it. This gives United Fidelity Bank, fsb a Texas Ratio of 17.56% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for United Fidelity Bank, fsb decreased slightly from 25.07% as of March 31, 2013 to 17.56% as of March 31, 2014, resulting in a positive change of 29.96%.This indicates that the balance sheet and financial strength for United Fidelity Bank, fsb has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, United Fidelity Bank, fsb has increased its total deposits by $8.41 million, resulting in 7.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Fidelity Bank, fsb has shown is excellent.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Fidelity Bank, fsb has $189.97 million in assets with $22.37 million in equity, resulting in a capitalization level of 11.77%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #29566
Year Established1931
Employees53
Primary RegulatorOCC
Assets and Liabilities
Assets$189.97 million
Loans$48.64 million
Deposits$126.39 million
Equity Capital$21.12 million
Loan Loss Allowance$1.25 million
Unbacked Noncurrent Loans$559,000
Real Estate Owned$3.37 million
Historic Data - March 2013
Assets$165.89 million
Equity Capital$21.80 million
Loan Loss Allowance$1.81 million
Unbacked Noncurrent Loans$559,000
Real Estate Owned$1.57 million
Profit Margin - Quarterly
Net Interest Margin3.7%
Return on Assets0.87%
Return on Equity7.78%
Interest Income$1.59 million
Rates

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United Fidelity Bank, fsb Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$20k-Health Savings Account
0.05%--Young Saver Account
0.05%$100-Statement Savings
0.05%$100-Advantage Saver Account
0.05%--Holiday Club Account
0.05%$25-New Day Savings

United Fidelity Bank, fsb Money Market Rates

DetailsAPYMINMAXPRODUCT
0.50%$200k-InvestmentONE Money Market Account
0.10%$1k-Money Market Deposit Account
0.10%$25k-BusinessOne Money Market Account

United Fidelity Bank, fsb Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.50%$200k-The One Checking Account
0.05%$200-Advantage Checking
0.05%--Checking Plus
0.05%$200-Business Plus Checking

United Fidelity Bank, fsb CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-5 Year CD
0.95%$1k-4 Year CD
0.90%$1k-3 Year CD
0.80%$1k-30 Month CD
0.80%$10k-4 Year Quarterback CD
0.75%$1k-2 Year CD
0.55%$1k-21 Month CD
0.50%$1k-18 Month CD
0.35%$1k-1 Year CD
0.30%$1k-10 Month CD
0.25%$1k-182 Day CD
0.20%$1k-91 Day CD
0.15%$1k-30 Day CD

United Fidelity Bank, fsb IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-5 Year IRA
0.95%$1k-4 Year IRA
0.90%$1k-3 Year IRA
0.80%$1k-30 Month IRA
0.80%$10k-4 Year Quarterback IRA
0.75%$1k-2 Year IRA
0.55%$1k-21 Month IRA
0.50%$1k-18 Month IRA
0.35%$1k-1 Year IRA
0.30%$1k-10 Month IRA
0.25%$1k-182 Day IRA
0.20%$1k-91 Day IRA
0.15%$1k-30 Day IRA
Locations


United Fidelity Bank, fsb Locations
United Fidelity Bank, FSB18 NW Fourth StreetEvansville, IN 47708
4441 First Ave Branch4441 First AvenueEvansville, IN 47710
West Lloyd Expressway Branch4801 West Lloyd ExpresswayEvansville, IN 47712
4th St Branch500 E 4th StMount Vernon, IN 47620
700 S Green River Road Branch700 South Green River RoadEvansville, IN 47715
Newburgh Branch8533 Bell Oaks DriveNewburgh, IN 47630