Bank call report · Palos Heights, IL
United Trust Bank Call Report
BankRegReports is independent of United Trust Bank and never asks for online banking logins or passwords.
United Trust Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 274 reported line items, schedule by schedule (771 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 2949970 |
| FDIC certificate number | 35393 |
| Total assets | $178.2M |
Official Q2 2026 call report PDF (FFIEC) →
United Trust Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · United Trust Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $178.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $178.2M |
| Total Liabilities and Minority Interest | RCON2948 | $160.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $126.3M |
| Total Deposits | RCON2200 | $126.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $125.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $107.8M |
| Other Borrowed Money | RCON3190 | $31.0M |
| Common Stock | RCON3230 | $23.2M |
| Interest-bearing Balances | RCON0071 | $20.7M |
| Loans and Leases Held for Sale | RCON5369 | $20.6M |
| Deposits: Noninterest-bearing | RCON6631 | $18.3M |
| Total Equity Capital | RCON3210 | $17.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $17.6M |
| Other Assets | RCON2160 | $5.6M |
| Undivided Profits and Capital Reserves | RCON3632 | -$5.5M |
| Other Liabilities, Total | RCON2930 | $3.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.0M |
| Intangible Assets | RCON2143 | $455K |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $21K |
Schedule RI: Income Statement (32 items)
About Schedule RI · United Trust Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Noninterest Expense | RIAD4093 | $12.5M |
| Total Noninterest Income | RIAD4079 | $11.8M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $11.3M |
| Salaries and Employee Benefits | RIAD4135 | $7.8M |
| Total Interest Income | RIAD4107 | $4.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.5M |
| Other Noninterest Expense | RIAD4092 | $3.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.6M |
| Total Interest Expense | RIAD4073 | $2.7M |
| Net Interest Income | RIAD4074 | $2.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.4M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.0M |
| Net Income (Loss) | RIAD4340 | $1.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.0M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $859K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $664K |
| Other Interest Expense | RIADGW44 | $658K |
| Other Noninterest Income | RIADB497 | $495K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $479K |
| Applicable Income Taxes | RIAD4302 | $439K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $414K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $244K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $137K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $121K |
| Provision for Loan and Lease Losses | RIAD4230 | $121K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $121K |
| Net Servicing Fees | RIADB492 | $55K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $35K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 88 |
Schedule RC-B: Securities (5 items)
About Schedule RC-B · United Trust Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $22K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $21K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $22K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $12K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $10K |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · United Trust Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $146.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $110.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $106.6M |
| Pledged Loans and Leases | RCONG378 | $96.9M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $45.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $9.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $8.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $7.6M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $7.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $7.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $5.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $5.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $4.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $3.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $2.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $2.5M |
| Commercial and Industrial Loans | RCON1766 | $2.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $1.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $1.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $732K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $709K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $508K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $508K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $402K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $234K |
| Other Loans | RCONJ464 | $16K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $15K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $11.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $1.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $665K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $470K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $291K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 15 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 11 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 10 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 9 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 4 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 4 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · United Trust Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $106.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $72.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $52.6M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $47.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $35.6M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $33.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $26.3M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $23.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $22.1M |
| Total Transaction Accounts | RCON2215 | $19.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $19.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $18.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $16.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $15.8M |
| Total Brokered Deposits | RCON2365 | $14.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $14.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $11.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $10.8M |
| Brokered Deposits of More Than $250,000 with a Remaining Maturity of One Year or Less | RCONK220 | $9.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $7.9M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $5.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $5.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $5.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $4.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $1.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $926K |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $118K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $10K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.6M |
| All Other Liabilities | RCON2938 | $1.3M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $681K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $454K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · United Trust Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $176.0M |
| Quarterly Average of Total Loans | RCON3360 | $145.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $122.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $67.5M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $31.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $26.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $22.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $20.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $15.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $2.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $1.7M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $37K |
| Mortgage-backed Securities | RCONB559 | $22K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · United Trust Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $7.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $3.4M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $311K |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $135K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $131K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $1K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · United Trust Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $23.0M |
| FHLB Advances: Structured Advances | RCONF059 | $23.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $8.0M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $492K |
| Mortgage Servicing Assets | RCON3164 | $455K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $97K |
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (8 items)
About Schedule RC-N · United Trust Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.4M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $627K |
| Additions to Nonaccrual Assets | RCONC410 | $535K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $509K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $151K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $92K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $26K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · United Trust Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $176.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $126.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $76.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $45.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $16.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $412K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 1,226 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 146 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 71 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · United Trust Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $100.1M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · United Trust Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $176.0M |
| Average total consolidated assets | RCOAKW03 | $176.0M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $100.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $23.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $18.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $17.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $17.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $17.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $17.6M |
| Retained Earnings | RCOAKW00 | -$5.5M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.0M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1865 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1764 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1764 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1065 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1003 |
Schedule RC-R, Part II: Risk-Weighted Assets (51 items)
About Schedule RC-R, Part II · United Trust Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $119.8M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $119.8M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $100.1M |
| Total Risk-weighted Assets | RCONG641 | $100.1M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $99.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $99.1M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $59.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $36.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $36.5M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $31.9M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $26.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $25.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $23.7M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $20.6M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $20.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $18.0M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $18.0M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $17.3M |
| Total All Other Assets | RCOND981 | $8.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $8.6M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $8.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $7.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $6.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $5.8M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $3.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $3.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $3.6M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $2.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $1.7M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $1.1M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$1.0M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $803K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $724K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $724K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $643K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $535K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $535K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $535K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $535K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $455K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $455K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $455K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $131K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $131K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $131K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $92K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $86K |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $21K |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $21K |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $1K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$1K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $17.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $15.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $15.9M |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $750K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · United Trust Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $30K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $30K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $20K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $13K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $7K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · United Trust Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.0M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $904K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $30K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $750K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $175.4M |
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $35.3M |
United Trust Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the United Trust Bank call report?
The United Trust Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does United Trust Bank file?
United Trust Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the United Trust Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: United Trust Bank has Federal Reserve RSSD ID 2949970 and FDIC certificate number 35393. Either one finds its filings on the FFIEC Central Data Repository.
How often does United Trust Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
United Trust Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 35393) · FFIEC NIC profile (RSSD 2949970)