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Germantown Trust & Savings Bank
Breese, IL · FDIC Certificate #12113 · Chartered 02/0
Total assets
$523.62M
Total deposits
$433.17M
Total equity
$44.99M
Net loans
$283.58M
Branches (offices)
4
Net income (YTD)
$5.82M
Rank: #1,731 of 4,213 U.S. banks by assets · #98 of 322 in Illinois. Assets changed 4.8% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.25% |
| Return on equity | 25.22% |
| Net interest margin (YTD) | 3.37% |
| Equity to assets | 8.59% |
| Tier 1 leverage ratio | 11.58% |
| Uninsured deposits (share of deposits) | 17.3% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 65.5% |
| Real estate loans (share of loans) | 86.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $245.78M | 86.7% | |
| Commercial & industrial | $21.92M | 7.7% | |
| Consumer / individual | $3.62M | 1.3% | |
| Construction & development | $17.84M | 6.3% | |
| Agricultural | $12.56M | 4.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $457.59M | $392.25M | $3.56M | $33.87M |
| Jun 2023 | $472.81M | $387.68M | $3.50M | $29.24M |
| Jun 2024 | $472.57M | $384.43M | $3.55M | $33.17M |
| Jun 2025 | $499.53M | $415.18M | $4.61M | $38.86M |
| Jun 2026 | $523.62M | $433.17M | $5.82M | $44.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $433.17M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $433.17M.
Similar-sized banks
Coulee Bank ($524.37M) · The Shelby County State Bank ($523.57M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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