United Trust Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.01%	5-year CD	60 Month CD 2.90% - Goldman Sachs Bank USA High-yield 5 Year CD
0.50%	1-year CD	12 Month CD 1.80% - Ally Bank No Penalty 11-Month CD
0.10%	Savings	Statement Savings 1.65% - Barclays Online Savings Account

View all United Trust Bank rates »

Overview / Commentary

www.utbhome.com

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12330 South Harlem Avenue
Palos Heights, IL 60463

United Trust Bank is headquartered in Palos Heights and is the 425^th largest bank in the state of Illinois. It is also the 5,429^th largest bank in the nation. It was established in 2000 and as of March of 2018, it had grown to 18 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

F

Data as of Q1 2018

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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	18
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-3.47%
Return on Equity - YTD	-54.75%
Annual Interest Income	$257.00K

Assets and Liabilities
Assets	Q1 2018vs Q1 2017	$29.6MM$35.6MM
Loans	Q1 2018vs Q1 2017	$17.5MM$19.9MM
Deposits	Q1 2018vs Q1 2017	$26.3MM$33.3MM
Equity Capital	Q1 2018vs Q1 2017	$2.1MM$2.1MM
Loan Loss Allowance	Q1 2018vs Q1 2017	$285.00K$323.00K
Unbacked Noncurrent Loans	Q1 2018vs Q1 2017	$536.00K$312.00K
Real Estate Owned	Q1 2018vs Q1 2017	$2.6MM$3.3MM

Rates

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Savings
Money Market
Checking
CD
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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	VIEW DETAILS
0.10%^*	$1k^*	-	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
0.22%^*	$20k^*	-	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 $2,500 \| 0.08% → $2,500 - $5k \| 0.10% → $5k - $7,500 \| 0.11% → $7,500 - $10k

United Trust Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.42%	$1k	$250k	36 Month CD Special
1.25%	$1k	$250k	24 Month CD Special
1.10%	$1k	$250k	12 Months CD Special
1.01%	$1k	$250k	60 Month CD
0.90%	$1k	$250k	48 Month CD
0.80%	$1k	$250k	36 Month CD
0.75%	$1k	$250k	24 Month CD
0.65%	$1k	$250k	18 Month CD
0.60%	$1k	$250k	15 Month CD
0.50%	$1k	$250k	12 Month CD
0.40%	$1k	$250k	9 Month CD
0.30%	$1k	$250k	6 Month CD
0.20%	$1k	$250k	3 Month CD

United Trust Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.42%	$1k	$250k	36 Month IRA Special
1.25%	$1k	$250k	24 Month IRA Special
1.10%	$1k	$250k	12 Month IRA Special
1.01%	$1k	$250k	60 Month IRA
0.90%	$1k	$250k	48 Month IRA
0.80%	$1k	$250k	36 Month IRA
0.75%	$1k	$250k	24 Month IRA
0.65%	$1k	$250k	18 Month IRA
0.60%	$1k	$250k	15 Month IRA
0.50%	$1k	$250k	12 Month IRA
0.40%	$1k	$250k	9 Month IRA
0.30%	$1k	$250k	6 Month IRA
0.20%	$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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