America's Community Lender

At United Trust Bank we provide financial solutions to our customers while being fully committed to offering exceptional service and value. Unlike many banks and mortgage lenders, our bank is owned by our employees, not just stockholders. This important difference allows us to be more focused on the people we serve. Across the nation, our team has improved the financial future of thousands of customers -- helping them secure cash, lower their rates and reduce their monthly payments. We maintain a strong commitment to creating lifelong relationships with our customers in communities nationwide.

Please accept our invitation to contact us or to come see us in the Bank.  We will show you just how important you are to our community and hope to earn your business today and every day.


Charles K. Wagner, Jr.

Chairman, CEO and President

Leadership Team

Charles K. Wagner, Jr., Chairman, CEO and President

Charles serves as the Chairman, CEO, and President of both United Trust Bank and United Bancorp, Inc (the holding company of United Trust Bank).  Charles became CEO on November 28, 2018 after helping raise capital to improve the operations of our Bank.  Charles has 27+ years of experience in both Banking and Financial Services.  Most recently he was President of CBC National Bank and Coastal Banking Company (holding company of Bank) which was sold in April 2018.  Charles earned a BBA in Finance from the University of Georgia. His passion is helping individuals and businesses to become successful at all aspects of business and life.

Janet Miller, Vice President & Operations Manager

Janet started her career in banking as a full-time teller while putting herself through night school at the University of Central Florida.  She has over 30 years of experience in all facets of loan and deposit operations, and has overseen Loan & Construction Loan operations at four different community bank groups in the Chicagoland area.  Her passion is helping customers achieve their personal and business goals.

Thomas J. Flournoy, Chief Financial Officer

Tom joined United Trust Bank as a career banker with over 35 years of community banking leadership in Finance and Accounting, Audit and Risk, Operations, and Information Technology.  He has extensive experience in bank and mortgage accounting and reporting and regulatory examination management.  Tom originally spent fourteen years as Vice President and Controller of a large Indiana-based regional bank.  He then spent the last eighteen years as the CFO/COO for six community banks located in several midwestern and southern states. 

Timothy P. Forkin, President, Mortgage Division

Tim's background includes 20+ years of leadership, sales and entrepreneurial experience in the Wholesale Lending, Banking, and Mortgage industries. Most recently, he held a position as Vice President of Mortgage Operations with a Federally Chartered bank in Florida. As President of our Mortgage Division, Tim oversees our nationally based retail mortgage branch offices. Tim graduated with a BBA in Marketing from The Ohio State University.
Matt Shamblen, General Manager, Mortgage Division

Matt came to United Trust Bank in 2021 to establish the bank's mortgage origination division. He brings over 20 years of lending experience with both wholesale and retail originations. His expertise in mortgage operations has been integral in the creation of the bank's mortgage division. Matt especially enjoys participating with the many charitable organizations that United Trust Bank is privileged to support.
John Torgusen, VP of Compliance and Risk Management

John has a proven track record of developing and implementing risk management strategies for leading community banks.  With over 20 years of experience in the financial services sector, he has successfully navigated complex regulatory environments and guided organizations through risk assessment, mitigation, and compliance.  He is a graduate of DeVry University with a BA degree in Accounting.

Board of Directors

Charles K. Wagner, Jr., Chairman

George Habeeb, Director

Steve Ralys, Director

Alan Hambourger, Director

Dan Slade, Director

Jeffrey Mussay, Director

Thomas J. Flournoy, Director

Thomas D. Agresta, Jr., Director