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United Trust Bank

$100M-$1B Specialty: Mortgage IL FDIC cert 35393

Palos Heights, IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +1.7% year over year ($126.1M on the books).
  • Delinquency rate 0.43%.
  • Return on assets 1.15%.
  • Efficiency ratio 88.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 115.67% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

United Trust Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 12.4% in tier
  • + Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 17.5% in tier
  • - Liquidity Strain: Bottom 30.2% in tier
  • - Credit Quality Pressure: Bottom 45.8% in tier
  • - Net Interest Margin 1.19% below tier average
  • - Efficiency Ratio 24.44% above tier average
  • - ROA 0.17% below tier average
Get updates when United Trust Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $178.2M
-2.1% YoY +3.5% QoQ
-$208.4M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
21%
Total Loans ? $145.9M
-4.6% YoY +0.9% QoQ
-$112.5M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $126.1M
+1.7% YoY +2.9% QoQ
-$200.6M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 14.0% in tier
Return on Assets ? 1.15%
+53.9% YoY +31.5% QoQ
-0.17% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
44%
Net Interest Margin ? 2.80%
+19.4% YoY +4.7% QoQ
-1.19% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 6.2% in tier
Efficiency Ratio ? 88.92%
-3.8% YoY -2.2% QoQ
+24.44% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 6.4% in tier
Delinquency Rate ? 0.43%
+417.5% YoY -12.1% QoQ
-0.49% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 115.67%
-6.2% YoY -1.9% QoQ
+37.72% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 1.9% in tier
Non-Interest-Bearing Deposit Share ? 14.48%
-9.2% YoY +10.8% QoQ
-7.55% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 0.35%
+404.3% YoY -14.3% QoQ
-0.32% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 17.64%
+17.3% YoY +7.5% QoQ
+1.73% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 6.64%
+15.7% YoY +103.3% QoQ
+6.08% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 0.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 14.5%
-1.5pp YoY
+1.4pp QoQ
 -7.7pp 22.1% 20.1% 22.2% 22%
Brokered Deposits 11.5%
-4.1pp YoY
+0.5pp QoQ
 +3.7pp 7.9% 8.0% 8.5% 78%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 1.5%
-0.1pp YoY
+0.4pp QoQ
 -10.0pp 11.6% 14.7% 12.5% 5%
CRE 14.2%
+4.1pp YoY
0.0pp QoQ
 -25.4pp 39.5% 37.9% 41.4% 10%
1-4 Family 83.3%
-3.1pp YoY
-0.1pp QoQ
 +50.7pp 32.6% 28.3% 31.3% 97%
Consumer 1.7%
-0.7pp YoY
-0.2pp QoQ
 -2.5pp 4.1% 5.4% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 17.6%
+2.6pp YoY
+1.2pp QoQ
 -1.2pp 18.8% 19.9% 19.7% 68%
Leverage Ratio 10.0%
+0.9pp YoY
+0.5pp QoQ
 -2.1pp 12.2% 12.2% 12.6% 32%
Total Capital Ratio 18.7%
+2.7pp YoY
+1.3pp QoQ
 -1.3pp 19.9% 20.9% 20.8% 66%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 88
+7 (+8.6%) YoY
+1 (+1.1%) QoQ
 +29 58 228 482 82%
Assets per Employee ($) $2.0M
-9.9% YoY
+2.3% QoQ
 -$5.5M $7.5M $8.3M $8.8M 1%
Branch Count 1
0 YoY
0 QoQ
 -4 4 10 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.4%
+0.3pp YoY
-0.1pp QoQ
 -0.5pp 0.9% 1.1% 1.0% 49%
Allowance Coverage 1.62x
-76.8% YoY
+22.0% QoQ
 -22.53x 24.15x 5.62x 20.23x 41%
Net Charge-off Rate (YTD) 0.0%
-0.2pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 12.1%
+3.3pp YoY
+2.7pp QoQ
 -0.1pp 12.2% 10.5% 11.6% 50%
Cost of Funds (YTD) 3.3%
-0.2pp YoY
-0.1pp QoQ
 +1.6pp 1.7% 1.6% 1.7% 99%
Net Income ($, YTD) $1.0M
+55.1% YoY
— QoQ
 -$1.6M $2.6M $11.7M $40.4M 27%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#83 of 661 • Top 12.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 6.64%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.15%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Liquidity Overhang

risk
#131 of 742 • Bottom 17.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.64%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 115.67%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#210 of 691 • Bottom 30.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 115.67%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#576 of 1256 • Bottom 45.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.43%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

17
Non-Interest Income / Assets
revenue_mix
Value: 6.64%
Peer Median: 0.57%
#17 of 2643 Top 0.6% in $100M-$1B
537
Tier 1 Capital Ratio
capital
Value: 17.64%
Peer Median: 15.91%
#537 of 2643 Top 20.3% in $100M-$1B

Top Weaknesses (6 metrics)

2594
Loan-to-Deposit Ratio
liquidity
Value: 115.67%
Peer Median: 77.95%
#2594 of 2643 Bottom 1.9% in $100M-$1B
2481
Net Interest Margin
profitability
Value: 2.80%
Peer Median: 3.99%
#2481 of 2643 Bottom 6.2% in $100M-$1B
2476
Efficiency Ratio
profitability
Value: 88.92%
Peer Median: 64.48%
#2476 of 2643 Bottom 6.4% in $100M-$1B
2275
Total Deposits
size
Value: $126.10M
Peer Median: $326.73M
#2275 of 2643 Bottom 14.0% in $100M-$1B
2090
Total Assets
size
Value: $178.17M
Peer Median: $386.57M
#2090 of 2643 Bottom 21.0% in $100M-$1B
2061
Non-Interest-Bearing Deposit Share
funding
Value: 14.48%
Peer Median: 22.03%
#2061 of 2643 Bottom 22.1% in $100M-$1B
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