# UNITED TRUST BANK
PALOS HEIGHTS, IL · FDIC certificate 35393 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $178.2M | |
| Deposits | $126.1M | |
| Loans and leases | $146.9M | |
| Total equity | $17.6M | |
| Loans / deposits | 115.67% (p98 of band) | 73.59% |
| Liquid assets / assets | 13.30% (p8 of band) | |
| Uninsured deposits / deposits | 22.00% (p58 of band) | 19.81% |
| Brokered deposits | 8.15% | |
| Wholesale funding | 25.55% (p97 of band) | |
| FHLB advances / assets | 17.40% | |
| Tier 1 leverage | 10.03% (p25 of band) | 11.76% |
| Unrealized securities loss / equity | -0.01% (p92 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.15% (p50 of band) | 1.17% |
| Net interest margin | 2.80% (p8 of band) | 3.93% |
| Efficiency ratio | 88.92% (p89 of band) | |
| Noncurrent loans | 0.43% (p53 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p67 of band) | |
| Reserve coverage of noncurrent | 161.88% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 36.71% (p70 of band) | |
| Auto loans | $402,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 88 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 4 |  | noncurrent p90 |
| 2012-03 | 5 | noncurrent p90 |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 7 | charge-offs p90, uninsured deposits leaving |  |
| 2012-12 | 6 |  | charge-offs p90 |
| 2013-03 | 6 | charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 6 | leverage <7% | charge-offs p90 |
| 2013-09 | 5 | assets shrinking | capital falling, leverage <7% |
| 2013-12 | 7 | deposits shrinking, uninsured deposits leaving |  |
| 2014-03 | 9 | capital falling, charge-offs p90 |  |
| 2014-06 | 9 |  |  |
| 2014-09 | 10 | leverage <7% |  |
| 2014-12 | 7 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2015-03 | 7 |  |  |
| 2015-06 | 6 |  | charge-offs p90 |
| 2015-09 | 8 | leverage <5% |  |
| 2015-12 | 7 | deposits shrinking, assets shrinking | capital falling, leverage <5% |
| 2016-03 | 6 |  | leverage <7% |
| 2016-06 | 5 | leverage <7% | deposits shrinking, assets shrinking |
| 2016-09 | 6 | capital falling |  |
| 2016-12 | 5 |  | capital falling |
| 2017-03 | 3 |  | reserve under noncurrent, noncurrent p90 |
| 2017-06 | 6 | capital falling, deposits shrinking, assets shrinking |  |
| 2017-09 | 8 | reserve under noncurrent, uninsured deposits leaving |  |
| 2017-12 | 8 | noncurrent p90 | capital falling |
| 2018-03 | 7 |  | leverage <7% |
| 2018-06 | 7 |  |  |
| 2018-09 | 6 |  | uninsured deposits leaving |
| 2018-12 | 6 |  |  |
| 2019-03 | 7 | capital falling |  |
| 2019-06 | 8 | uninsured deposits leaving |  |
| 2019-09 | 6 |  | noncurrent p90, uninsured deposits leaving |
| 2019-12 | 5 |  | assets shrinking |
| 2020-03 | 5 | uninsured deposits leaving | deposits shrinking |
| 2020-06 | 5 | leverage <7% | uninsured deposits leaving |
| 2020-09 | 5 |  |  |
| 2020-12 | 2 |  | reserve under noncurrent, capital falling, leverage <7% |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | losing money |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 | brokered >10% | capital falling |
| 2022-03 | 1 |  | expense ratio p90 |
| 2022-06 | 4 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2022-09 | 2 | expense ratio p90 | brokered >10%, wholesale funding >15%, reserve under noncurrent |
| 2022-12 | 5 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 7 | liquid assets <10%, NIM <2.5% |  |
| 2023-09 | 6 |  | liquid assets <10% |
| 2023-12 | 4 |  | expense ratio p90, capital falling |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | uninsured deposits leaving |  |
| 2024-12 | 3 |  | brokered >10%, uninsured deposits leaving |
| 2025-03 | 4 | liquid assets <10% |  |
| 2025-06 | 5 | brokered >10%, charge-offs p90 | liquid assets <10% |
| 2025-09 | 4 | liquid assets <10% | brokered >10%, charge-offs p90 |
| 2025-12 | 3 |  | liquid assets <10% |
| 2026-03 | 2 |  | NIM <2.5% |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-02-04 [OCC dings Ohio, Illinois banks on CRA ratings - Banking Dive](https://news.google.com/rss/articles/CBMirwFBVV95cUxQam9EUm0tN29HYmpCYVdGN29xdllQZnk2N2ZWNXZ1MVZUbElRRkQxVTZ6bnh3Vkx6S2JxTmt0alBmNzFBTmNJcEkwSnVoZXZGRVBRUFhmRUlLTUEzYUhic096SjctLXdRanJYNDNEenUxQ0M0ejNTak1iT0hoQzBiZ3JrYzZRcnozQUdUNTFVT0o1MUZSYklEb0NsOGtGN2J5NDQzU1Q5QWxJV0QydmFV?oc=5) · Banking Dive
- 2025-04-23 [2025 Top Refinance Volume Test Page - scotsmanguide.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE4zRXJXTzVsVTVkWFNjNFpIWWZXY1IyWVAtSGZqTTcybTZTVC1waXZOaTUtVDYwN0ZjYTJNZGJJTXZsdWVackhUMlBfel9ncVdPREJaem91YzNYOHE3Z3I0MWVEeDMwMUtQS0FETUpTeEMyMHNH?oc=5) · scotsmanguide.com
- 2024-07-19 [Deeds of trust for July 19 - News-Press NOW](https://news.google.com/rss/articles/CBMixwFBVV95cUxNRjZZNDN2c0dtR1FOWldFcFB6ejV2SnRJLUNYT2QtUU9aajB5LWRJMFVRdHdOVWtiMDdYNVdBT3JZTVp4eWZxOEtxMHpQLXJqQnBWcE9xZzZnOE1PeVNIZlVvc01uMmNIbE91RFJvb0txMjdrMnUyc1NWR3l6cUFYbUNENFV1eE5RVmtKYzFmamJtTGo1VjFEY0pqUy1vLXZrQ3JtaWMxRERNNzJhOWNoRkl3SldKVFIzX2VIeHBDVmJaN1M3Njln?oc=5) · News-Press NOW
- 2024-08-15 [Ohio’s newest lawmaker challenged over state’s controversial name-disclosure law: Capitol Letter - Cleveland.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOa0J5U2NpZWVKS3V3S2dTXzk5WkYzMjlDRmRZalN3S21oOXhKYWNiWVVXaUtuWTFlVVdJRzFLWUY3cWRZcUoyUjd2b21XMGJfSGZXeVFUMF9pTXNMSktyTV8yTUZWZ2c4RmttNEwtTnZUbGxscGZNS0lkcUhLVVNXbW44NjVXckNmemxPNFpRQUNmblA4d21oVnlKdGVDdUtSQ0xuOTdRMkhhaDd5blRwUDJlYjBPc2xMYTBOX0pDU2pZdVc5RVVlZVRHT29KR0ZmdVhj?oc=5) · Cleveland.com
- 2011-05-13 [Palos Heights Takes Aim at Harlem Vacancies - Patch](https://news.google.com/rss/articles/CBMiggFBVV95cUxQQkpHSkdEVE02OVFiZ2psSVo2S0hCbFZ6UEp1Zy0yU1RDYXRHMVRaazlWT2xoQzBpUGVOdGl3eU5ZVjluVHN6UWNwV2hOT1RjTzM4ZVQ4em1GQ0tGaHFpZDY1eXE4Z0Q2YzVHU2djc2ZEUWtvUGlyZzlBdS13b0RCZl9R?oc=5) · Patch
- 2024-07-10 [What could your NS&I certificate be worth and should you renew it? - which.co.uk](https://news.google.com/rss/articles/CBMitAFBVV95cUxQSHcySFk5M3hiUS1RSDNQV1Z1UUdGZ3RpTmlkUWlrNmhKWmZkWDFfRkpTV2JTQWdSWW8zbVdnMDhGZzAxWWUwQlZMX3UyakJza0NCZDJYWFlQaW9VUWNPUklGV0lRZ2dlV2V1V3JCRkhfcnNHM1hpaFpBNjEyVGhCSUUxZ0o4UHBXQThZMFd4NWxFUWgtMHNhaXpJM0UwMWljVG44Zm40aG9xeHlkTHdHMmdaZWs?oc=5) · which.co.uk

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35393 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "35393", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide