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Overview / Commentary
708-728-9900
12330 South Harlem Avenue
Palos Heights, IL 60463

United Trust Bank is headquartered in Palos Heights and is the 425th largest bank in the state of Illinois. It is also the 5,487th largest bank in the nation. It was established in 2000 and as of September of 2017, it had grown to 16 employees at 1 location. United Trust Bank's money market rates are 98% higher than the national average, but it has a F health rating.

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Health
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 Established2000
Employees16
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-2.15%
Return on Equity - YTD-38.03%
Annual Interest Income$911.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$33.8MM$38.9MM
LoansQ3 2017vs Q3 2016$19.5MM$21.9MM
DepositsQ3 2017vs Q3 2016$31.7MM$36.5MM
Equity CapitalQ3 2017vs Q3 2016$1.8MM$2.1MM
Loan Loss AllowanceQ3 2017vs Q3 2016$285.00K$314.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$457.00K$673.00K
Real Estate OwnedQ3 2017vs Q3 2016$3.3MM$2.9MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$1k*-Statement Savings
OTHER TIERS: 0.05% Up to $1k

United Trust Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.87%$100k-Premium Money Market Special
0.22%*$20k*-Money Market
OTHER TIERS: 0.10% Up to $10k | 0.18% $10k - $20k

United Trust Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%*$10k*-NOW Checking
OTHER TIERS: 0.07% Up to $2,500 | 0.08% $2,500 - $5k | 0.10% $5k - $7,500 | 0.11% $7,500 - $10k

United Trust Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%$1k$250k36 Month CD Special
1.25%$1k$250k24 Month CD Special
1.05%$1k$250k12 Months CD Special
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%$1k$250k36 Month IRA Special
1.25%$1k$250k24 Month IRA Special
1.05%$1k$250k12 Month IRA Special
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
Locations


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