Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
12330 South Harlem Avenue
Palos Heights, IL 60463

United Trust Bank is headquartered in Palos Heights and is the 486th largest bank in the state of Illinois. It is also the 6,327th largest bank in the nation. It was established in 2000 and as of December of 2013, it had grown to 13 employees at 1 location. United Trust Bank has a D health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q4 2013

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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 United Trust Bank had $4.22 million in non-current loans and owned real-estate with $3.68 million in equity and loan loss allowances on hand to cover it. This gives United Trust Bank a Texas Ratio of 114.38% 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 143.22% as of December 31, 2012 to 114.38% as of December 31, 2013, resulting in a positive change of 20.13%.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 -$5.3 million, resulting in -13.21% 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 $38.26 million in assets with $3.68 million in equity, resulting in a capitalization level of 9.63%, which is above average.

Institution Statistics

FDIC Certificate #35393
Year Established2000
Primary RegulatorOCC
Assets and Liabilities
Assets$38.26 million
Loans$22.87 million
Deposits$34.83 million
Equity Capital$3.22 million
Loan Loss Allowance$468,000
Unbacked Noncurrent Loans$1.43 million
Real Estate Owned$2.79 million
Historic Data - December 2012
Assets$43.78 million
Equity Capital$3.52 million
Loan Loss Allowance$288,000
Unbacked Noncurrent Loans$1.43 million
Real Estate Owned$3.79 million
Profit Margin - Quarterly
Net Interest Margin3.39%
Return on Assets-2.61%
Return on Equity-33.5%
Interest Income$1.44 million

Always verify rates and promotions with the bank or credit union. We are not United Trust Bank, we are a rate comparison website and can not provide official rates or promotions.

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

0.90%$1k$250k60 Month CD
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

0.90%$1k$250k60 Month IRA
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