United Trust Bank
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Data as of · sourced from FFIEC call reports. How we update
United Trust Bank is an FDIC-insured savings institution headquartered in Palos Heights, IL, established in 2000 (FDIC certificate 35393), and it is supervised by the OCC. At Q2 2026 it reported total assets of $178.2M, down 2.1% from Q2 2025, the 214th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 17.64% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 35393
- Headquarters
- Palos Heights, IL
- Established
- 2000
- Total assets, Q2 2026
- $178.2M
- Assets vs Q2 2025
- -2.1%
- CET1 ratio, Q2 2026
- 17.64%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071974505
- Latest call report
- Q2 2026, FFIEC 051 · United Trust Bank call report
- Holding company
- UNITED BANCORP, INC.
- Asset rank in state
- 214th of 319 in Illinois
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 0.43% and a Texas ratio of 3.36%. The figures come from its call report filed with the FFIEC.
United Trust Bank ranks as the 214th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.5% to $178.2M, loans rose 1.0% and deposits rose 2.9%. 1-4 family residential loans made up 82.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 5.0%. Its one office in the FDIC Summary of Deposits is in Palos Heights, IL. On its Q2 2026 call report, United Trust Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 1 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
United Trust Bank's total assets moved between a low of $156.3M (Q2 2024) and a high of $182.0M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$178.2M total assets against $182.0M; $160.5M total liabilities against $166.9M.
$145.9M net loans and leases against $152.9M; $126.1M total deposits against $124.0M.
$21K securities against $26K; $23.7M cash and balances due against $21.2M.
$2.5M total interest income against $2.4M; $1.3M total interest expense against $1.5M.
$1.2M net interest income against $972K.
$6.2M total noninterest income against $5.5M; $6.5M total noninterest expense against $6.0M.
$57K provision for credit losses against $56K.
$626K net income against $337K.
1.42% return on assets against 0.82%; 2.80% net interest margin against 2.44%.
17.64% CET1 capital ratio against 15.03%; 10.03% tier 1 leverage ratio against 9.16%.
Inside the full United Trust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 514 of 2,134, for CET1 ratio; its furthest is 3,421 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.49% (Q3 2024) to 1.42% (Q2 2026) and its net interest margin ran from 2.23% (Q4 2024) to 2.80% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.64% | 1.42% | 0.43% | 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
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Trust Bank (main office) | Palos Heights , IL | 60463 | $126.1M |
Regulatory record
Facts as filed or published, not a rating.
- 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 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is United Trust Bank headquartered?
It is headquartered in Palos Heights, IL, United States.
When was United Trust Bank founded?
It was established in 2000, per the FDIC institution directory.
Is United Trust Bank FDIC-insured?
Yes. It 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.
What is United Trust Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 3.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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