Call reports 2025
UNITED FIDELITY BANK, FSB — 2025
What UNITED FIDELITY BANK, FSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 6,332,637,000 | 6,366,429,000 | 6,284,217,000 | 6,295,144,000 |
| Total loans | 3,666,504,000 | 3,554,102,000 | 3,537,735,000 | 3,516,120,000 |
| Allowance for loan losses | 75,515,000 | 81,404,000 | 81,879,000 | 81,846,000 |
| Securities available for sale | 630,110,000 | 656,850,000 | 660,323,000 | 661,863,000 |
| Securities held to maturity | 654,274,000 | 654,575,000 | 653,493,000 | 650,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,184,767,000 | 5,219,073,000 | 5,130,147,000 | 5,113,142,000 |
| Interest-bearing deposits | 4,965,697,000 | 5,031,635,000 | 4,944,332,000 | 4,929,041,000 |
| Noninterest-bearing deposits | 219,070,000 | 187,438,000 | 185,815,000 | 184,101,000 |
| Equity capital | 599,079,000 | 604,463,000 | 621,794,000 | 648,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 45,454,000 | 90,554,000 | 135,655,000 | 181,391,000 |
| Interest expense | 56,167,000 | 112,252,000 | 168,006,000 | 221,621,000 |
| Net interest income | -10,713,000 | -21,698,000 | -32,351,000 | -40,230,000 |
| Noninterest income | 26,250,000 | 62,438,000 | 88,796,000 | 118,791,000 |
| Noninterest expense | 19,854,000 | 40,200,000 | 56,359,000 | 79,004,000 |
| Provision for loan losses | 11,650,000 | 17,565,000 | 18,065,000 | 18,065,000 |
| Pretax income | -15,708,000 | -16,412,000 | -14,099,000 | -12,765,000 |
| Income tax | -2,634,000 | -3,812,000 | -5,057,000 | -7,124,000 |
| Net income | -13,074,000 | -12,600,000 | -9,042,000 | -5,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 595,631,000 | 599,893,000 | 617,062,000 | 635,934,000 |
| Total capital | 704,837,000 | 708,392,000 | 715,539,000 | 729,218,000 |
| Risk-weighted assets | 4,935,415,000 | 4,872,697,000 | 4,870,884,000 | 4,853,677,000 |