United Trust Bank

Overview / Commentary

www.utbhome.com

708-728-9900

12330 South Harlem Avenue
Palos Heights, IL 60463

United Trust Bank is headquartered in Palos Heights and is the 395^th largest bank in the state of Illinois. It is also the 5,056^th largest bank in the nation. It was established in 2000 and as of December of 2019, it had grown to 13 employees at 1 location. United Trust Bank's money market rates are 98% higher than the national average, but it has a D health rating.

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Health

Data as of Q4 2019

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

Health Grade Components

Overall
FDIC Certificate #	35393
Year Established	2000
Employees	13
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-4.9%
Return on Equity - YTD	-38.65%
Annual Interest Income	$1.0MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$26.2MM$26.3MM
Loans	Q4 2019vs Q4 2018	$17.9MM$16.4MM
Deposits	Q4 2019vs Q4 2018	$19.7MM$21.1MM
Equity Capital	Q4 2019vs Q4 2018	$2.7MM$3.9MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$260.00K$285.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$410.00K$507.00K
Real Estate Owned	Q4 2019vs Q4 2018	$920.00K$1.5MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Trust Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$1k^*	-	Statement Savings
OTHER TIERS: 0.05% → Up to $1k
0.10%^*	$1k^*	-	Business Statement Savings
OTHER TIERS: 0.05% → Up to $1k

United Trust Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.87%	$100k	-	Premium Money Market Special
0.87%	$100k	-	Business Premium Money Market Special
0.22%^*	$20k^*	-	Money Market
OTHER TIERS: 0.10% → Up to $10k \| 0.18% → $10k - $20k
0.22%^*	$20k^*	-	Business Money Market
OTHER TIERS: 0.10% → Up to $10k \| 0.18% → $10k - $20k

United Trust Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.12%^*	$10k^*	-	NOW Checking
OTHER TIERS: 0.07% → Up to $2.5k \| 0.08% → $2.5k - $5k \| 0.10% → $5k - $7.5k \| 0.11% → $7.5k - $10k

United Trust Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.95%	$1k	-	22 Month CD Special
0.80%	$1k	-	13 Month CD Special
0.70%	$1k	$250k	60 Month CD
0.60%	$1k	$250k	48 Month CD
0.55%	$1k	-	7 Month CD Special
0.50%	$1k	$250k	36 Month CD
0.45%	$1k	$250k	24 Month CD
0.40%	$1k	$250k	18 Month CD
0.35%	$1k	$250k	15 Month CD
0.30%	$1k	$250k	12 Month CD
0.20%	$1k	$250k	9 Month CD
0.15%	$1k	$250k	6 Month CD
0.10%	$1k	$250k	3 Month CD

United Trust Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.95%	$1k	-	22 Month IRA Special
0.80%	$1k	-	13 Month IRA Special
0.70%	$1k	$250k	60 Month IRA
0.60%	$1k	$250k	48 Month IRA
0.55%	$1k	-	7 Month IRA Special
0.50%	$1k	$250k	36 Month IRA
0.45%	$1k	$250k	24 Month IRA
0.40%	$1k	$250k	18 Month IRA
0.35%	$1k	$250k	15 Month IRA
0.30%	$1k	$250k	12 Month IRA
0.20%	$1k	$250k	9 Month IRA
0.15%	$1k	$250k	6 Month IRA
0.10%	$1k	$250k	3 Month IRA

Locations

United Trust Bank Locations
United Trust Bank	12330 South Harlem Avenue	Palos Heights, IL 60463

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