BlastPoint's Banking Scorecard
United Trust Bank
Micro
Specialty: Mortgage
IL
FDIC cert 35393
Designations: ✓ Community bank
Palos Heights, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
United Trust Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 12.40% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.42% below tier
- - Efficiency Ratio 24.46% above tier
- - Loan-to-Deposit Ratio 41.52% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$170.6M
+0.5% YoY
-3.1% QoQ
|
-$46.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$140.7M
-1.5% YoY
-7.5% QoQ
|
+$1.5M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$121.2M
+3.3% YoY
-1.2% QoQ
|
-$62.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
0.88%
+30.7% YoY
-2.7% QoQ
|
-0.21% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
2.44%
+13.8% YoY
+2.2% QoQ
|
-1.42% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
92.18%
-1.1% YoY
+0.6% QoQ
|
+24.46% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.15%
-28.0% YoY
+6.5% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
116.05%
-4.6% YoY
-6.3% QoQ
|
+41.52% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.93%
-23.3% YoY
-20.0% QoQ
|
-10.46% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.12%
-29.4% YoY
+1.7% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
16.90%
+13.4% YoY
+7.6% QoQ
|
+8.05% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
12.97%
+23.8% YoY
+39.5% QoQ
|
+12.40% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
12.97%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.44%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
92.18%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
116.05%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Non-Interest Income / Assets
Current: 12.97% · Tier avg: 0.56%
79
79th pctile
Tier 1 Capital Ratio
Current: 16.90% · Tier avg: 8.85%
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
57
57th pctile
Total Loans
Current: $140.7M · Tier avg: $139.2M
43
43th pctile
Total Assets
Current: $170.6M · Tier avg: $217.5M
38
38th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
36
36th pctile
Total Deposits
Current: $121.2M · Tier avg: $183.7M
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.93% · Tier avg: 22.39%
8
8th pctile
Efficiency Ratio
Current: 92.18% · Tier avg: 67.73%
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.85%
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.05% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.05% · Tier avg: 74.53%
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.85%
8
8th pctile
Efficiency Ratio
Current: 92.18% · Tier avg: 67.73%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.93% · Tier avg: 22.39%
36
36th pctile
Total Deposits
Current: $121.2M · Tier avg: $183.7M
38
38th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
43
43th pctile
Total Assets
Current: $170.6M · Tier avg: $217.5M
57
57th pctile
Total Loans
Current: $140.7M · Tier avg: $139.2M
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
79
79th pctile
Tier 1 Capital Ratio
Current: 16.90% · Tier avg: 8.85%
100
100th pctile
Non-Interest Income / Assets
Current: 12.97% · Tier avg: 0.56%