Urban Trust Bank (UTB) is a federally chartered community-oriented bank founded by legendary entrepreneur Robert L. Johnson. UTB is successfully executing an innovative business model that provides value-oriented, common-sense banking and mortgage services through a network of branches in Florida and the Washington, DC area. Additionally, UTB is developing a suite of products to empower individuals and families in diverse communities who have been underserved or undervalued by traditional financial institutions. UTB is among the largest African-American controlled banks in the country and has been highlighted in national and local media, including The Washington Post, The Wall Street Journal, CNBC, The Orlando Business Journal, and USA Today. UTB is designated as well capitalized by the Office of Thrift Supervision, the highest possible capital rating. UTB is headquartered in Central Florida and has offices near Washington, DC.

Urban Trust Bank is a portfolio company of The RLJ Companies.

Regulatory Information

Urban Trust Bank is a FDIC-insured bank headquartered at 400 Colonial Center Parkway, Suite 150, in Lake Mary, Florida. Urban Trust Bank (or a predecessor institution) has been FDIC insured since 1963. For more information about the FDIC, please visit: http://www.fdic.gov/

There are limits on the amounts insured by The FDIC. To learn more about these limits and determine whether your bank account(s) are fully insured, please visit: My FDIC Insurance.

The Office Of Thrift Supervision (OTS) is the primary regulatory agency for Urban Trust Bank. You can contact the OTS by email or by calling: 1-800-906-6000. Additionally, consumers with concerns or complaints regarding any OTS regulated institution can contact an OTS consumer affairs specialist by email or by calling 1-800-842-6929. For more information about the OTS, please visit: http://www.ots.gov/.

Urban Trust Bank furnishes quarterly financial data to our regulators. You can obtain our most recent financial data.

A Brief History of Urban Trust Bank

Our organization has a proud history of serving urban communities. Empowered by a world-class team of owners and executives, Urban Trust Bank has transformed from a single-branch community bank to a strong regional financial institution with a growing national presence. Highlights of our 45 year history are listed below:

• In 1963, Urban Trust Bank was originally incorporated in the Washington Shores neighborhood of Orlando, Florida as Washington Shores Federal Savings Bank.

• The bank received a Federal Charter from the Office of Thrift Supervision (OTS) in June, 1990, and became Metro Savings Bank, F.S.B.

• In 2005, Robert L. Johnson acquired controlling interest in Metro Savings Bank, partnering with businessman Frank Hanna Jr.

• The organization's name was changed to Urban Trust Bank in May, 2006, to reflect a broader, more substantial mission.

• In January, 2007, Urban Trust Bank announced an agreement to open branches inside select Walmart® Stores.

• In June, 2008, Urban Trust Bank's headquarters was relocated to Lake Mary, Florida (near Orlando).
• Urban Trust Bank announced a substantial capital investment by The Clinton Group in May, 2009.
• In May, 2009, Urban Trust Bank executes an agreement with Suntrust Bank to take over 7 new branches formerly operated by Suntrust.
• In May, 2010, Urban Trust Bank was recognized by Black Enterprise Magazine as the second largest African-American controlled bank in the country.

Urban Trust Bank has become one of Florida's leading banks and will meet the needs of our customers on a local, regional and national scale by continuing to provide value-oriented, common-sense banking products and exceptional customer service.

®Walmart is a registered trademark of Walmart Stores, Inc.

• UTB Overview & Mission
• Leadership Team
• Branch Locations
• Bank News
• Safe & Secure
• Careers
• Our Customers Speak