United Trust Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at United Trust Bank. Its balance sheet stood at $178 million at June 30, 2026, down 2.1% from a year earlier; it is based in Palos Heights, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.43% of loans from 0.08% a year earlier. It spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also keeps 2.80 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $626,000, 86% above the same quarter a year earlier. Over the same year, loans shrank 4.5% and deposits grew 1.7%. Funding is the softer spot: it pays an average of 3.28% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, United Trust Bank reported a CET1 capital ratio of 17.64%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.77% and a Texas ratio of 3.36%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 12330 S Harlem Ave, Palos Heights, IL 60463
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 24, 2000
- Offices
- 1 domestic
- Employees (FTE)
- 88
- Domestic deposits
- $126.1M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $176.0M
- Average total loans
- $145.9M
- Average interest-bearing deposits
- $111.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 24, 2000
- FDIC Cert
- 35393
- Fed RSSD
- 2949970
- SEC CIK
- 1196969 → filed by UNITED BANCORP, INC.
- Website
- www.utbhome.com →
- Parent Holding Company
- UNITED BANCORP, INC. (RSSD 3848566)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full United Trust Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock United Trust Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
United Trust Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.64% | 1.42% | 0.77% | 3.36% | 2.80% |
| Q1 2026 | 16.41% | 0.88% | 0.49% | 4.11% | 2.56% |
| Q4 2025 | 16.90% | 0.81% | 0.14% | 1.22% | 2.50% |
| Q3 2025 | 15.71% | 1.24% | 0.14% | 1.26% | 2.47% |
| Q2 2025 | 15.03% | 0.82% | 0.08% | 0.79% | 2.44% |
| Q1 2025 | 15.56% | 0.75% | 0.20% | 1.82% | 2.35% |
| Q4 2024 | 14.91% | 1.37% | 0.20% | 1.88% | 2.23% |
| Q3 2024 | 14.48% | 0.49% | 0.22% | 2.14% | 2.25% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Trust Bank (main office) | Palos Heights , IL | 60463 | $126.1M |
Regulatory record
What the public regulatory sources show for United Trust Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 6 against the institution (OCC, OCC (former OTS)); 1 against individuals associated with it
- December 18, 2019, OCC: Formal Agreement: United Trust Bank
- August 15, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): United Trust Bank
- October 1, 2008, OCC (former OTS): Termination of Cease and Desist: United Trust Bank
- April 10, 2006, OCC (former OTS): Cease and Desist: United Trust Bank
- May 27, 2004, OCC (former OTS): Cease and Desist: United Trust Bank
- Period: Most recent institution action December 18, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 271 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about United Trust Bank
What are United Trust Bank's total assets?
As of the Q2 2026 filing, United Trust Bank reported total assets of $178.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Trust Bank headquartered?
United Trust Bank is headquartered in Palos Heights, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was United Trust Bank founded?
United Trust Bank was established in 2000, per the FDIC institution directory.
Is United Trust Bank FDIC-insured?
Yes. United Trust Bank is an FDIC-insured savings institution (FDIC Certificate #35393). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Trust Bank?
United Trust Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United Trust Bank's CET1 capital ratio?
United Trust Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.64% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United Trust Bank operate?
United Trust Bank operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Trust Bank's Texas Ratio?
United Trust Bank's Texas Ratio is 3.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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