United Trust Bank
Palos Heights, IL
IDRSSD: 2949970
Total Assets
$170.61M
Latest filing
Total Deposits
$121.21M
Latest filing
Net Interest Margin
2.55%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
071974505PALOS HEIGHTS, IL
Key People
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Locations
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Main Office
United Trust Bank
12330 S Harlem Ave
Palos Heights, IL 60463
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/24/2000FDIC Certificate 79497
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| United Trust Bank (Main) | 12330 S Harlem Ave | Palos Heights, IL | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 11/24/2000 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60463 |
| State and County Number | 17031 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 84 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/24/2000 |
| Primary Insurance Agency | DIF |
| Website | www.utbhome.com |
| Data Updated | 01/30/2026 |
| CERT | 35393 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $170.61M |
| Total Deposits | $121.21M |
| Total Liabilities | $154.71M |
| Total Equity Capital | $15.90M |
| Net Income | $344.00k |
| Net Loans and Leases | $140.66M |
| Assets Per Employee ($Millions) | $2.03M |
| Bank Premises and Fixed Assets | $2.56M |
| Cash and Balances due from Depository Institutions | $22.35M |
| Deposits Held in Domestic Offices | $121.21M |
Key Performance Ratios
| Return on Assets (ROA) | 0.79% |
| Return on Equity (ROE) | 8.73% |
| Net Interest Margin | 2.55% |
| Efficiency Ratio | 93.66% |
| Tier 1 Risk-Based Capital Ratio | 16.899% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.319% |
| Earning Assets to total Assets | 92.68% |
Income and Expense
| Total Interest Income | $2.46M |
| Total Noninterest Income | $5.76M |
| Total Interest Expense | $1.42M |
| Total Noninterest Expense | $6.37M |
| Net Interest Income | $1.03M |
| Pre-tax Net Operating Income | $443.00k |
| Provision for Credit Losses | $-12,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $31.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.50M |
| Total Liabilities and Capital | $170.61M |
Securities
| Securities | $24.00k |
| Available-for-sale debt securities | $24.00k |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Trust Bank?
$170.61M as of the latest filing.
How much are United Trust Bank's total deposits?
$121.21M in total deposits.
Where is United Trust Bank located?
Palos Heights, IL.
What is the Net Interest Margin?
2.55%.
How many domestic offices does it operate?
1.
When was it established?
11/24/2000.
What is the Return on Assets (ROA)?
0.79%.
How much are total loans and leases?
$140.66M (latest filing).
What is the total interest income (latest filing)?
$2.46M.