Bank · FDIC insured
United Trust Bank
A $178.2M bank headquartered in Palos Heights, IL, with 1 branch in Illinois. Best rates: CDs 4.05% and savings 3.90% APY.
United Trust Bank Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#42 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About United Trust Bank
United Trust Bank is owned by its employees and is held by its holding company, United Bancorp, Inc.
- Headquarters
- 12330 S Harlem Ave, Palos Heights, IL 60463
- FDIC certificate
- 35393 ↗
Branches
1 branch in Illinois
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Illinois
1 branch
- United Trust BankMain office12330 S Harlem Ave, Palos Heights, IL 60463Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.03% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.43% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.15% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $116 | $81 | — |
- CapitalLeverage ratio10.03%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.43%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.15%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$116Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of United Trust Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.