BlastPoint's Banking Scorecard

United Trust Bank

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

Palos Heights, IL

2664 banks in the $100M-$1B peer group nationally 211 in 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 15.6% in tier
+ Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 15.1% in tier
- Liquidity Overhang: Bottom 18.8% in tier
- Credit Quality Pressure: Bottom 42.1% in tier
- Net Interest Margin 1.26% below tier average
- Efficiency Ratio 25.61% above tier average
- ROA 0.39% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$172.2M +4.3% YoY +0.9% QoQ	-$213.9M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$144.5M +2.5% YoY +2.7% QoQ	-$111.2M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$122.5M +5.4% YoY +1.1% QoQ	-$205.5M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 12.6% in tier
Return on Assets ?	0.88% +18.9% YoY -0.2% QoQ	-0.39%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	2.68% +12.8% YoY +9.8% QoQ	-1.26%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 5.1% in tier
Efficiency Ratio ?	90.89% -1.8% YoY -1.4% QoQ	+25.61%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 6.0% in tier
Delinquency Rate ?	0.49% +140.4% YoY +235.7% QoQ	-0.40%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	117.97% -2.8% YoY +1.7% QoQ	+41.33%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Bottom 1.2% in tier
Non-Interest-Bearing Deposit Share ?	13.07% -5.3% YoY +9.5% QoQ	-8.95%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.41% +136.3% YoY +241.6% QoQ	-0.23%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	43%
Tier 1 Capital Ratio ?	16.41% +5.5% YoY -2.9% QoQ	+0.58%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	3.27% +8.6% YoY -74.8% QoQ	+2.99%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 0.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#105 of 666 • Top 15.6% 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: 3.27%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.88%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk

#148 of 973 • Bottom 15.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Liquidity Overhang

risk

#140 of 739 • Bottom 18.8% 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: 16.41%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 117.97%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#552 of 1308 • Bottom 42.1% in tier

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

Why this signature

Delinquency Rate: 0.49%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 3.27%

Peer Median: 0.28%

#15 of 2664 Top 0.5% in $100M-$1B

Top Weaknesses (6 metrics)

2632

Loan-to-Deposit Ratio

liquidity

Value: 117.97%

Peer Median: 76.64%

#2632 of 2664 Bottom 1.2% in $100M-$1B

2530

Net Interest Margin

profitability

Value: 2.68%

Peer Median: 3.93%

#2530 of 2664 Bottom 5.1% in $100M-$1B

2504

Efficiency Ratio

profitability

Value: 90.89%

Peer Median: 65.29%

#2504 of 2664 Bottom 6.0% in $100M-$1B

2329

Total Deposits

size

Value: $122.51M

Peer Median: $327.97M

#2329 of 2664 Bottom 12.6% in $100M-$1B

2195

Non-Interest-Bearing Deposit Share

funding

Value: 13.07%

Peer Median: 22.02%

#2195 of 2664 Bottom 17.6% in $100M-$1B

2136

Total Assets

size

Value: $172.22M

Peer Median: $386.08M

#2136 of 2664 Bottom 19.9% in $100M-$1B