United Fidelity Bank, fsb

18 Nw Fourth Street
Evansville, IN 47708

Notable Rates APY Vs.Others
Savings 0.05% 2.30% →
1-Year CD 1.50% 2.25% →
2-Year CD 1.80% 2.50% →
5-Year CD 1.85% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

United Fidelity Bank, fsb is an FDIC insured institution located in Evansville, IN. It was founded in 1931 and has approximately $0.91 billion in assets. Customers can open an account at one of its 19 branches.

FDIC Insured Yes
FDIC Certificate # 29566
Date Established 1931
Assets $0.91 billion
Loans $0.15 billion
Deposits $0.74 billion
Capital $0.11 billion
 

For a more detailed analysis of United Fidelity Bank, fsb's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 10, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 - Learn MoreShow Less
Premium Money Market Account
0.10% $1,000 $74,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.80% $1,000 - Learn MoreShow Less
6 Mo CD
1.25% $1,000 - Learn MoreShow Less
12 Mo CD
1.50% $1,000 - Learn MoreShow Less
18 Mo CD
1.60% $1,000 - Learn MoreShow Less
24 Mo CD
1.80% $1,000 - Learn MoreShow Less
30 Mo CD
1.80% $1,000 - Learn MoreShow Less
36 Mo CD
1.80% $1,000 - Learn MoreShow Less
48 Mo CD
1.85% $1,000 - Learn MoreShow Less
60 Mo CD
1.85% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.50% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $200 - Learn MoreShow Less
Checking Rates APY MIN FEE
No Fee Checking 0.00% $0 $0.00 Learn MoreShow Less

Loan Rates - December 10, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for United Fidelity Bank, fsb

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% -0.13 ($362) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
First Internet Bank
NMLS ID: 424182
3.625% 3.625% -0.13 ($198) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to United Fidelity Bank, fsb
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

United Fidelity Bank, fsb branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


United Fidelity Bank, fsb Locations


Financial Details

United Fidelity Bank, fsb Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Fidelity Bank, fsb. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
United Fidelity Bank, fsb U.S. Bank Average
5.88% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, United Fidelity Bank, fsb had $6,393,000 in non-current loans and $402,000 in owned real estate. To cover these potential losses it had $113,559,000 in equity and $1,939,000 in loans loss reserves. That gives it a Texas Ratio of 5.88%.

Return on Equity
United Fidelity Bank, fsb U.S. Bank Average
15.52% 9.50%

United Fidelity Bank, fsb has a Return on Equity of 15.52% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
United Fidelity Bank, fsb U.S. Bank Average
12.54% 12.76%

United Fidelity Bank, fsb has a Capitalization of 12.54% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

United Fidelity Bank, fsb Balance Sheet Analysis

As of June 30, 2019, United Fidelity Bank, fsb had assets of $905,256,000, loans of $146,157,000, and deposits of $740,230,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.08 billion
Interest-bearing balances $0.05 billion
Total securities $0.53 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.15 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.14 billion
     Total Assets $0.79 billion
LIABILITIES
Total deposits $0.74 billion
      Interest-bearing deposits $0.49 billion
      Deposits held in domestic offices $0.74 billion
      % insured (estimated) 51.96%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $0.79 billion
      Shareholders’ Equity $0.11 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in United Fidelity Bank, fsb’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Indiana, United Fidelity Bank, fsb has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 52.27
Multifamily
Mortgages
10.76
Credit Card Loans 0.00
Consumer Auto Loans 0.38
Small Business Loans 10.38
Construction and Development Loans 2.34
Commercial Real Estate 20.64
Commercial and Industrial Loans 4.55
Farm Loans 0.76

Frequently Asked Questions About United Fidelity Bank, Fsb

Branches and Savings

Is United Fidelity Bank, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #29566.

Why does United Fidelity Bank, Fsb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are United Fidelity Bank, Fsb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is United Fidelity Bank, Fsb a commercial bank?

Yes

Where are United Fidelity Bank, Fsb locations?

See branch locations nearby.

Is United Fidelity Bank, Fsb open on Saturdays?

Is United Fidelity Bank, Fsb open on Sundays?

What time does United Fidelity Bank, Fsb open?

What time does United Fidelity Bank, Fsb close?

Are United Fidelity Bank, Fsb ATMs Open 24/7?

Do United Fidelity Bank, Fsb ATMs accept cash deposits?

Can United Fidelity Bank, Fsb customers use other ATMs?

Do United Fidelity Bank, Fsb branches have notaries?

Will United Fidelity Bank, Fsb notarize my document?

What address for United Fidelity Bank, Fsb should I put for incoming ACH transfers?

Will the United Fidelity Bank, Fsb branch print checks?

Do United Fidelity Bank, Fsb checks expire?

Does United Fidelity Bank, Fsb require US citizenship to open account?

Can United Fidelity Bank, Fsb close my account?

Does United Fidelity Bank, Fsb Report to credit bureaus?

Does United Fidelity Bank, Fsb Use Equifax?

What is United Fidelity Bank, Fsb's ACH Routing Number?

What is United Fidelity Bank, Fsb's SWIFT code?

Products

Does United Fidelity Bank, Fsb offer mortgages?

Compare mortgage rates here.

Does United Fidelity Bank, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Fidelity Bank, Fsb offer personal loans?

Compare personal loan rates here.

Does United Fidelity Bank, Fsb offer student loans?

Will United Fidelity Bank, Fsb cash a check?

Will United Fidelity Bank, Fsb redeem a savings bond?

Does United Fidelity Bank, Fsb cash savings bonds?

Will United Fidelity Bank, Fsb cash money orders?

Can United Fidelity Bank, Fsb issue a money order?

Does United Fidelity Bank, Fsb do currency exchange?

Background on The Bank

Who owns United Fidelity Bank, Fsb?

How long has United Fidelity Bank, Fsb been around?

Can United Fidelity Bank, Fsb transfer to other banks?

Does United Fidelity Bank, Fsb have quick pay?

Does United Fidelity Bank, Fsb accept rolled coins?

Will United Fidelity Bank, Fsb accept loose change?

Where is United Fidelity Bank, Fsb headquarters?

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