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Overview / Commentary
12330 South Harlem Avenue
Palos Heights, IL 60463

United Trust Bank is headquartered in Palos Heights and is the 485th largest bank in the state of Illinois. It is also the 6,274th largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 13 employees at 1 location. United Trust Bank has a D health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. United Trust Bank has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 United Trust Bank had $3.65 million in non-current loans and owned real-estate with $3.4 million in equity and loan loss allowances on hand to cover it. This gives United Trust Bank a Texas Ratio of 107.54% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United Trust Bank decreased slightly from 152.25% as of March 31, 2013 to 107.54% as of March 31, 2014, resulting in a positive change of 29.37%.This indicates that the balance sheet and financial strength for United Trust Bank has improved slightly in recent periods.

Deposit Growth


In the past year, United Trust Bank has decreased its total deposits by -$5.66 million, resulting in -13.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Trust Bank has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Trust Bank has $37.87 million in assets with $3.4 million in equity, resulting in a capitalization level of 8.96%, which is average.

Institution Statistics

FDIC Certificate #35393
Year Established2000
Primary RegulatorOCC
Assets and Liabilities
Assets$37.87 million
Loans$23.75 million
Deposits$34.81 million
Equity Capital$2.93 million
Loan Loss Allowance$462,000
Unbacked Noncurrent Loans$1.41 million
Real Estate Owned$2.24 million
Historic Data - March 2013
Assets$43.81 million
Equity Capital$3.22 million
Loan Loss Allowance$333,000
Unbacked Noncurrent Loans$1.41 million
Real Estate Owned$3.85 million
Profit Margin - Quarterly
Net Interest Margin3.39%
Return on Assets-2.98%
Return on Equity-36.94%
Interest Income$325,000

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United Trust Bank Savings Account Rates

0.10%$1k-Statement Savings

United Trust Bank Money Market Rates

0.28%$25k-Premium Money Market
0.22%$20k-Money Market

United Trust Bank Checking Account Rates


United Trust Bank CD Rates

0.95%$1k$250k36 Month CD Special
0.90%$1k$250k60 Month CD
0.85%$1k$250k24 Month CD Special
0.75%$1k$250k18 Month CD Special
0.70%$1k$250k48 Month CD
0.60%$1k$250k36 Month CD
0.40%$1k$250k24 Month CD
0.35%$1k$250k18 Month CD
0.25%$1k$250k15 Month CD
0.20%$1k$250k6 Month CD
0.20%$1k$250k9 Month CD
0.20%$1k$250k12 Month CD
0.10%$1k$250k3 Month CD

United Trust Bank IRA Rates

0.95%$1k$250k36 Month IRA Special
0.90%$1k$250k60 Month IRA
0.85%$1k$250k24 Month IRA Special
0.75%$1k$250k18 Month IRA Special
0.70%$1k$250k48 Month IRA
0.60%$1k$250k36 Month IRA
0.40%$1k$250k24 Month IRA
0.35%$1k$250k18 Month IRA
0.25%$1k$250k15 Month IRA
0.20%$1k$250k6 Month IRA
0.20%$1k$250k9 Month IRA
0.20%$1k$250k12 Month IRA
0.10%$1k$250k3 Month IRA

United Trust Bank Locations
United Trust Bank12330 South Harlem AvenuePalos Heights, IL 60463