United Trust Bank

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

United Trust Bank is headquartered in Palos Heights and is the 318th largest bank in the state of Illinois. It is also the 4,288th largest bank in the nation. It was established in 2000 and as of September of 2021, it had grown to 131 employees at 1 location. United Trust Bank has a B+ health rating.


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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 relatively low asset base.

Health Grade Components

FDIC Certificate #35393
Year Established2000
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.11%
Return on Equity - YTD20.37%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$79.7MM$34.2MM
LoansQ3 2021vs Q3 2020$45.5MM$20.4MM
DepositsQ3 2021vs Q3 2020$67.6MM$30.5MM
Equity CapitalQ3 2021vs Q3 2020$7.1MM$1.9MM
Loan Loss AllowanceQ3 2021vs Q3 2020$330.00K$257.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$200.00K$401.00K
Real Estate OwnedQ3 2021vs Q3 2020$214.00K$551.00K
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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

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

0.45%*$100k*-Premium Money Market Special
OTHER TIERS: 0.40% $1k - $100k
0.45%*$100k*-Business Premium Money Market Special
OTHER TIERS: 0.40% $1k - $100k
0.28%$25k-Premium Money Market
0.28%$25k-Business Premier Money Market
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

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

0.75%$1k$250k36 Month CD Special
0.60%$1k$250k60 Month CD
0.55%$1k$250k22 Month CD Special
0.50%$1k$250k48 Month CD
0.45%$1k$250k36 Month CD
0.45%$1k$250k18 Month CD Special
0.40%$1k$250k24 Month CD
0.35%$1k$250k18 Month CD
0.30%$1k$250k12 Month CD
0.30%$1k$250k15 Month CD
0.15%$1k$250k6 Month CD
0.15%$1k$250k9 Month CD
0.10%$1k$250k3 Month CD

United Trust Bank IRA Rates

0.75%$1k$250k36 Month IRA Special
0.60%$1k$250k60 Month IRA
0.55%$1k$250k22 Month IRA Special
0.50%$1k$250k48 Month IRA
0.45%$1k$250k18 Month IRA Special
0.45%$1k$250k36 Month IRA
0.40%$1k$250k24 Month IRA
0.35%$1k$250k18 Month IRA
0.30%$1k$250k12 Month IRA
0.30%$1k$250k15 Month IRA
0.15%$1k$250k6 Month IRA
0.15%$1k$250k9 Month IRA
0.10%$1k$250k3 Month IRA

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

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