United Trust Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 43.25 percentage points lower than in Q1 2026, at 89.43%. Within Illinois, United Trust Bank is 113th of 323 on return on assets, 1.42% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. United Trust Bank sits 0.17 points higher, at 1.42% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.64% |
| Tier 1 risk-based capital ratio | 17.64% |
| Total risk-based capital ratio | 18.65% |
| Tier 1 leverage ratio | 10.03% |
| Equity capital to assets | 9.91% |
| Tangible equity to tangible assets | 9.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.77% |
| Non-performing assets ratio | 0.64% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 6.08% |
| Allowance for credit losses to loans | 0.69% |
| Reserve coverage of non-performing loans | 89.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 14.76% |
| Net interest margin | 2.80% |
| Efficiency ratio | 87.13% |
| Yield on earning assets | 5.87% |
| Cost of funds | 3.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 116.48% |
| Core deposits to total deposits | 75.21% |
| Brokered deposits to total deposits | 11.52% |
| Deposits to assets | 70.78% |
| Securities to assets | 0.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.13% | 14.13% | 15.06% | 8.17% | 0.71% |
| Q4 2023 | 15.08% | 15.08% | 16.01% | 8.69% | 2.30% |
| Q1 2024 | 14.53% | 14.53% | 15.43% | 8.65% | 0.28% |
| Q2 2024 | 15.56% | 15.56% | 16.49% | 8.94% | 0.64% |
| Q3 2024 | 14.48% | 14.48% | 15.35% | 9.08% | 0.49% |
| Q4 2024 | 14.91% | 14.91% | 15.84% | 8.86% | 1.37% |
| Q1 2025 | 15.56% | 15.56% | 16.59% | 8.99% | 0.75% |
| Q2 2025 | 15.03% | 15.03% | 15.91% | 9.16% | 0.82% |
| Q3 2025 | 15.71% | 15.71% | 16.63% | 9.18% | 1.24% |
| Q4 2025 | 16.90% | 16.90% | 17.86% | 9.35% | 0.81% |
| Q1 2026 | 16.41% | 16.41% | 17.36% | 9.54% | 0.88% |
| Q2 2026 | 17.64% | 17.64% | 18.65% | 10.03% | 1.42% |
United Trust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Trust Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35393) · FFIEC NIC profile (RSSD 2949970)