United Trust Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Trust Bank of Palos Heights, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.42% | 1.35% | +0.07% | 59th above |
| ROAE | 14.76% | 12.05% | +2.71% | 64th above |
| Net Interest Margin | 2.80% | 3.90% | -1.10% | 6th bottom |
| Efficiency Ratio | 87.13% | 63.14% | +23.99% | 8th bottom |
| PPNR / Avg Assets | 2.17% | 1.64% | +0.53% | 79th top |
| Yield on Earning Assets | 5.87% | 5.65% | +0.22% | 63rd above |
| Cost of Funds | 3.28% | 1.85% | +1.43% | 3rd bottom |
| Net Interest Spread | 2.08% | 3.35% | -1.27% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.77% | 0.92% | -0.15% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.64% | 0.67% | -0.03% | 32nd below |
| NCO / Avg Loans | -0.05% | 0.15% | -0.20% | 95th top |
| ACL / Total Loans | 0.69% | 1.28% | -0.59% | 7th bottom |
| ACL / NPLs (Coverage) | 89.43% | 1645.80% | -1556.37% | 24th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.08% | 7.15% | -1.07% | 35th below |
| Provision / NCO | 1210.00% | 1189.19% | +20.81% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.64% | 20.83% | -3.19% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.64% | 20.86% | -3.22% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.65% | 21.94% | -3.29% | 66th above |
| Leverage Ratio | 10.03% | 12.46% | -2.43% | 33rd below |
| Equity / Assets | 9.91% | 11.67% | -1.76% | 43rd below |
| TCE / Tangible Assets | 9.91% | 11.40% | -1.49% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 116.48% | 78.63% | +37.85% | 2nd bottom |
| Core Deposit Ratio | 75.21% | 87.10% | -11.89% | 9th bottom |
| Wholesale Funding Ratio | 17.40% | 5.11% | +12.29% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.09% | 6.48% | -8.57% | 10th bottom |
| Loan Growth (Y/Y) | -4.50% | 7.64% | -12.14% | 8th bottom |
| Deposit Growth (Y/Y) | 1.71% | 6.02% | -4.31% | 33rd below |
See United Trust Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Trust Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Trust Bank profile, how to read a UBPR, or how this data updates.