United Fidelity Bank FSB: Bank Stress & Real-Estate Credit Exposure

Bank stress at United Fidelity Bank FSB (FDIC Cert #29566) registers 89/100 on DLRadar's scale — a severe reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

The DLRadar bank-stress score is a composite, not a single ratio: it weighs United Fidelity Bank FSB's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Because United Fidelity Bank FSB is held under Pedcor Financial Llc, its financials are open to scrutiny and its trend can be independently checked. DLRadar does not model United Fidelity Bank FSB in isolation: the 400-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 14 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. No bank is too small to score the same way: United Fidelity Bank FSB runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 14-county, 400-ZIP profile means exactly what it would for any institution nationwide. At the county level, United Fidelity Bank FSB finances markets like Cook County, IL, Denver County, CO, Lee County, FL, Arapahoe County, CO — the specific places where its credit posture translates into local lending capacity. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Read against its 14-county reach, a severe score sets the credit tone for every market on its map. DLRadar maps United Fidelity Bank FSB into 14 counties (400 ZIP codes) across 4 states — a compact, multi-state lending base. It concentrates most in Indiana (5 counties), Illinois (3 counties), Florida (3 counties), Colorado (2 counties).

For buyers, lender stress is an early map of supply: when United Fidelity Bank FSB pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.