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 234^th largest bank in the state of Illinois. It is also the 3,363^rd largest bank in the nation. It was established in 2000 and as of June of 2024, it had grown to 68 employees at 1 location. United Trust Bank's money market rates are 10X the national average, and it has an A health rating.

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Health

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	35393
Year Established	2000
Employees	68
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.44%
Return on Equity - YTD	5.22%
Annual Interest Income	$4.4MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$156.3MM$153.4MM
Loans	Q2 2024vs Q2 2023	$129MM$134.8MM
Deposits	Q2 2024vs Q2 2023	$106.2MM$101.9MM
Equity Capital	Q2 2024vs Q2 2023	$13.7MM$12.4MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$818K$798K
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$341K$330K
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

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% → $0 - $1k
0.10%^*	$1k^*	-	Business Statement Savings
OTHER TIERS: 0.05% → $0 - $1k

United Trust Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
4.34%^*	$100k^*	-	Premium Money Market Special
OTHER TIERS: 4.24% → $1k - $100k
4.34%^*	$100k^*	-	Business Premium Money Market Special
OTHER TIERS: 4.24% → $1k - $100k
0.28%^*	$25k^*	-	Premium Money Market
OTHER TIERS: 0.10% → $0 - $10k \| 0.18% → $10k - $20k \| 0.22% → $20k - $25k
0.28%^*	$25k^*	-	Business Premier Money Market
OTHER TIERS: 0.10% → $0 - $10k \| 0.18% → $10k - $20k \| 0.22% → $20k - $25k
0.22%^*	$20k^*	-	Money Market
OTHER TIERS: 0.10% → $0 - $10k \| 0.18% → $10k - $20k
0.22%^*	$20k^*	-	Business Money Market
OTHER TIERS: 0.10% → $0 - $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% → $0 - $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
4.55%	$3k	-	6 Month CD Special
4.45%	$3k	$250k	12 Month CD Special
4.05%	$3k	$250k	24 Month CD Special
3.99%	$3k	$250k	18 Month CD Special
3.95%	$3k	$250k	36 Month CD Special

United Trust Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.55%	$3k	$250k	6 Month IRA Special
4.45%	$3k	$250k	12 Month IRA Special
4.05%	$3k	$250k	24 Month IRA Special
3.99%	$3k	$250k	18 Month IRA Special
3.95%	$3k	$250k	36 Month IRA Special

Locations

United Trust Bank Locations
United Trust Bank	12330 S Harlem Ave	Palos Heights, IL 60463

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