United Trust Bank: how it compares with its peers
Against 137 IL banks with half to twice its assets, United Trust Bank's strongest measure in Q2 2026 is return on assets (1.15% vs. a 1.14% peer median). Its weakest relative measure is assets per employee ($2.0M vs. $6.4M).
| Measure | United Trust Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.15% | 1.14% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.80% | 3.74% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.92% | 64.89% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.0M | $6.4M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 115.67% | 72.18% | Context |
What it means for lending operations
Its efficiency ratio of 88.92% is above the 64.89% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- State Bank of Whittington Benton, IL · $180M
- Town Center Bank Frankfort, IL · $181M
- Central State Bank Clayton, IL · $175M
- Iroquois Farmers State Bank Iroquois, IL · $174M
- FIRST NATIONAL BANK OF NOKOMIS Nokomis, IL · $182M
- Union Savings Bank Freeport, IL · $182M
Questions about United Trust Bank
How big is United Trust Bank?
United Trust Bank, established in 2000, is headquartered in Palos Heights, IL. It reported $178M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is United Trust Bank's return on assets?
1.15% annualized in Q2 2026, against a 1.14% median for 137 IL banks with half to twice its assets, ahead of 52% of them.
What is United Trust Bank's efficiency ratio?
88.92% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 64.89%, and lower is better.
Is United Trust Bank growing its loans?
Net loans shrank 4.6% over the year to Q2 2026, while deposits grew 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.