United Trust Bank

BankPalos Heights, Illinois
www.utbhome.com

Total Assets

$170.6M

Total Deposits

$121.2M

Branches

1

Established

2000

TFS Health Grade

$
D

64.2 / 100

Below average financial health

How we grade

United Trust Bank is a bank headquartered in Palos Heights, Illinois, established in 2000. With $170.6M in total assets and 1 branch locations, it has a TFS Financial Health Grade of D (64.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.35%(8%)
Total Capital Ratio
17.86%(10%)
Non-Performing Loan Ratio
0.14%

Profitability

Return on Assets (ROA)
0.88%(1%)
Return on Equity (ROE)
10.01%(10%)
Net Interest Margin
2.44%
Efficiency Ratio
92.18%(60%)

Lending & Liquidity

Total Loans
$141.6M
Loan-to-Deposit Ratio
116.05%
Net Charge-Off Ratio
0.10%

Growth

Asset Growth (YoY)
+0.46%
Deposit Growth (YoY)
+3.33%
Net Income
$1.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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