GERMANTOWN TRUST & SAVINGS BANK

BREESE, IL | Medium | Est. Feb. 6, 1906, midnight | FDIC #12113 | RSSD #830748 | FDIC
Latest Report: 2025-12-31

GERMANTOWN TRUST & SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in BREESE, IL, established in Feb. 6, 1906, midnight. As of 2025-12-31, the bank reported total assets of $510M and total deposits of $418M. Profitability stands at 1.59% ROA and 17.77% ROE, with a net interest margin of 3.38%. The bank's CET1 capital ratio is 9.22%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #12113.

Assets

$510M

Deposits

$418M

Loans

$282M

Equity

$47M

Profitability

Return on Assets (ROA) 1.59%
Return on Equity (ROE) 17.77%
Net Interest Margin (NIM) 3.38%
Yield on Assets 5.34%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 9.22%
Tier 1 Capital 9.22%
Total Capital Ratio 9.68%
Leverage Ratio 12.02%
Loan-to-Deposit 67.46%

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