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United Trust Bank

Palos Heights, IL · Cert 35393 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · United Bcorp Inc.

State savings bank · OCC · 1 branch

Q2 2026

$178.2MAssets
$146.9MLoans
$126.1MDeposits
$17.6MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 70% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 17 of 57).
  • Widest gap: net interest margin trails 91% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 52 of 57).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.12%

Rank 17 of 57

Net Interest Margin

2.56%

Rank 52 of 57

Efficiency Ratio

88.92%

Rank 48 of 57

Equity / Assets

9.91%

Rank 37 of 57

Non-interest income vs. expense

$23.7M$25.1MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 18% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 88.92%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.51%0.84%1.19%Beats 70%17 / 57
Return on Equity11.35%3.13%7.76%11.40%Beats 70%17 / 57
Net Interest Margin2.56%3.16%3.63%4.08%Beats 9%52 / 57
Efficiency Ratio88.92%59.57%69.70%81.06%Beats 18%48 / 57
Asset Quality
Nonperforming Loans / Loans0.43%0.06%0.34%1.78%Beats 48%30 / 56
Net Charge-Offs / Loans0.02%n/a0.00%0.01%Beats 23%44 / 56
Capital
Tier 1 Capital Ratio17.64%12.24%16.06%19.69%Beats 63%21 / 57
Total Risk-Based Capital Ratio18.65%12.54%16.50%20.95%Beats 58%24 / 57
Equity / Assets9.91%9.37%11.56%15.00%Beats 35%37 / 57
Liquidity & Funding
Loans / Deposits116.48%66.29%85.59%95.16%91st pctl5 / 57
Loans / Assets82.44%57.07%71.07%78.13%88th pctl7 / 57
Brokered Deposits / Depositsn/aNot reported for this institution