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United Trust Bank
Palos Heights, IL · FDIC Certificate #35393 · Chartered 11/2
Total assets
$178.17M
Total deposits
$126.10M
Total equity
$17.65M
Net loans
$145.86M
Branches (offices)
1
Net income (YTD)
$1.00M
Rank: #3,125 of 4,213 U.S. banks by assets · #216 of 322 in Illinois. Assets changed -2.1% and deposits 1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 12.07% |
| Net interest margin (YTD) | 2.80% |
| Equity to assets | 9.91% |
| Tier 1 leverage ratio | 10.03% |
| Uninsured deposits (share of deposits) | 22.0% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 115.7% |
| Real estate loans (share of loans) | 97.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $142.18M | 97.5% | |
| Commercial & industrial | $2.26M | 1.5% | |
| Consumer / individual | $2.42M | 1.7% | |
| Construction & development | $6.48M | 4.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $93.44M | $75.48M | $1.26M | $11.40M |
| Jun 2023 | $153.41M | $101.90M | $198.00K | $12.37M |
| Jun 2024 | $156.28M | $106.20M | $354.00K | $13.71M |
| Jun 2025 | $181.98M | $123.99M | $646.00K | $15.10M |
| Jun 2026 | $178.17M | $126.10M | $1.00M | $17.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $126.10M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $126.10M.
Similar-sized banks
Bank Of Clarkson ($178.19M) · The First National Bank Of Le Center ($178.16M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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