United Trust Bank

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

United Trust Bank is headquartered in Palos Heights and is the 369th largest bank in the state of Illinois. It is also the 4,795th largest bank in the nation. It was established in 2000 and as of December of 2020, it had grown to 35 employees at 1 location. United Trust Bank has a C+ 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 low asset base, and a negative return on equity.

Health Grade Components

FDIC Certificate #35393
Year Established2000
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-2.59%
Return on Equity - YTD-28.51%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$39.2MM$26.2MM
LoansQ4 2020vs Q4 2019$24.5MM$17.9MM
DepositsQ4 2020vs Q4 2019$31.8MM$19.7MM
Equity CapitalQ4 2020vs Q4 2019$5.6MM$2.7MM
Loan Loss AllowanceQ4 2020vs Q4 2019$279.00K$260.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$244.00K$410.00K
Real Estate OwnedQ4 2020vs Q4 2019$322.00K$920.00K
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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
0.45%$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

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

0.80%$1k-22 Month CD Special
0.60%$1k$250k60 Month CD
0.60%$1k-13 Month CD Special
0.50%$1k$250k48 Month CD
0.45%$1k$250k36 Month CD
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

0.80%$1k-22 Month IRA Special
0.60%$1k$250k60 Month IRA
0.60%$1k-13 Month IRA Special
0.50%$1k$250k48 Month IRA
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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