UNITED TRUST BANK

PALOS HEIGHTS, IL | Small | Est. Nov. 24, 2000, midnight | FDIC #35393 | RSSD #2949970 | OCC
Latest Report: 2025-12-31

UNITED TRUST BANK is asn small FDIC-insured commercial bank headquartered in PALOS HEIGHTS, IL, established in Nov. 24, 2000, midnight. As of 2025-12-31, the bank reported total assets of $171M and total deposits of $121M. Profitability stands at 0.79% ROA and 8.73% ROE, with a net interest margin of 2.59%. The bank's CET1 capital ratio is 16.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 1.22%. FDIC Certificate #35393.

Assets

$171M

Deposits

$121M

Loans

$142M

Equity

$16M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 8.73%
Net Interest Margin (NIM) 2.59%
Yield on Assets 6.16%
Cost of Funds 3.67%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.11%
Texas Ratio 1.22%
NPA Ratio 0.12%
ACL / Loans 0.64%

Capital & Liquidity

CET1 Ratio 16.90%
Tier 1 Capital 16.90%
Total Capital Ratio 17.86%
Leverage Ratio 9.35%
Loan-to-Deposit 116.80%

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