United Trust Bank is a savings bank headquartered in Palos Heights, Illinois, in business for about 26 years. At the end of Q2 2026 it reported $178.2M in total assets and $126.1M in deposits, with 1 office.
United Trust Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 223rd. Problem-loan coverage contributes the most (93/100, 3.4%); funding & liquidity contributes the least (42/100, 116% loans-to-deposits, 22% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (63 → 65), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 59 |
| Q4 2024 | 60 |
| Q1 2025 | 61 |
| Q2 2025 | 63 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 61 |
| Q2 2026 | 65 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.94% |
| Q3 2024 | 9.08% |
| Q4 2024 | 8.86% |
| Q1 2025 | 8.99% |
| Q2 2025 | 9.16% |
| Q3 2025 | 9.18% |
| Q4 2025 | 9.35% |
| Q1 2026 | 9.54% |
| Q2 2026 | 10.03% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.14% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.43% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.90% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.88% |
| Q2 2026 | 1.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $178.2M | 10.03% | 0.43% | 1.15% | 115.7% |
| Q1 2026 | 61 | $172.2M | 9.54% | 0.49% | 0.88% | 118.0% |
| Q4 2025 | 64 | $170.6M | 9.35% | 0.14% | 0.88% | 116.0% |
| Q3 2025 | 63 | $176.1M | 9.18% | 0.14% | 0.90% | 123.9% |
| Q2 2025 | 63 | $182.0M | 9.16% | 0.08% | 0.75% | 123.3% |
| Q1 2025 | 61 | $165.2M | 8.99% | 0.20% | 0.74% | 121.4% |
| Q4 2024 | 60 | $169.8M | 8.86% | 0.20% | 0.67% | 121.7% |
| Q3 2024 | 59 | $168.6M | 9.08% | 0.22% | 0.45% | 128.4% |
| Q2 2024 | 57 | $156.3M | 8.94% | 0.26% | 0.44% | 121.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank of WhittingtonBank Benton, IL | 51 out of 100, Below average | $180.1M | 11.5% | 4.43% | vs |
| Town Center BankBank Frankfort, IL | 65 out of 100, Moderate | $180.6M | 11.4% | 0.00% | vs |
| Central State BankBank Clayton, IL | 70 out of 100, Strong | $175.1M | 17.9% | 3.07% | vs |
| First National Bank of NokomisBank Nokomis, IL | 73 out of 100, Strong | $181.9M | 10.9% | 0.96% | vs |
| Iroquois Farmers State BankBank Iroquois, IL | 57 out of 100, Moderate | $174.5M | 9.1% | 1.96% | vs |
| Union Savings BankBank Freeport, IL | 66 out of 100, Moderate | $182.0M | 9.5% | 0.27% | vs |
Deposit insurance
Is my money safe at United Trust Bank?
Yes. United Trust Bank is an FDIC-insured institution (FDIC certificate #35393). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.0% of deposits ($27.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.65% (benchmark: 10%).
1 location
Branches
United Trust Bank lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- United Trust Bank
- Former names
- United Trust and Federal Savings Bank
- Type
- Savings bank
- FDIC certificate #
- 35393
- RSSD ID
- 2949970
- Primary regulator
- OCC
- Holding company
- United Bcorp Inc
- Established
- November 24, 2000
- Headquarters
- 12330 S Harlem Ave, Palos Heights, IL 60463
- Website
- www.utbhome.com
- Employees
- 88
Quick answers
United Trust Bank: common questions
Is United Trust Bank FDIC insured?
Yes. United Trust Bank is an FDIC-insured institution (FDIC certificate #35393). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Trust Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Trust Bank ever failed?
There is no failure record for FDIC certificate #35393 in the FDIC failed bank list.
How many branches does United Trust Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Palos Heights
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| Trinity U.C.C. Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $4.2M | 16.5% | 0.00% | vs |