United Fidelity Bank, FSB
Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.1) profitability. Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 9.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10). A current level of 3.2 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Good asset quality (6.9).
Asset Mix:
Securities (20%), cash (3%), home mtgs (2%), comm re (2%), comm loans (1%), other (72%)
States with Branches:
CA, CO, FL, IL, IN, VI
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Pedcor Financial, LLC
Investment Rating
--
Address
18 NW Fourth Street
Evansville, IN 47708
Evansville, IN 47708
Phone Number
(812) 424-0921
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.