Germantown Trust & Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Germantown Trust & Savings Bank is an FDIC-insured commercial bank headquartered in Breese, IL, established in 1906 (FDIC certificate 12113), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $523.6M, up 4.8% from Q2 2025, the 97th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.58% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12113
- Headquarters
- Breese, IL
- Established
- 1906
- Total assets, Q2 2026
- $523.6M
- Assets vs Q2 2025
- +4.8%
- Tier 1 leverage ratio, Q2 2026
- 11.58%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081913158
- Latest call report
- Q2 2026, FFIEC 051 · Germantown Trust & Savings Bank call report
- Holding company
- GERMANTOWN BANC CORP.
- Asset rank in state
- 97th of 319 in Illinois
Germantown Trust & Savings Bank is one of the more profitable banks of its size. It reported $524 million in assets at June 30, 2026, up 4.8% from a year earlier. It earns about $2.24 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 33 cents to bring in each dollar of revenue, about half the median of 61 cents for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $17 million equal 28% of Tier 1 capital, down from 35% a year earlier. Net income for the quarter rose 24% from a year earlier, to $3.0 million. Its margin is thin by comparison: it keeps 3.34 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Germantown Trust & Savings Bank reported a return on assets of 2.24%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.79%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Germantown Trust & Savings Bank is the 97th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.9% to $523.6M, loans rose 0.2% and deposits rose 1.4%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 43.4% of total loans, followed by 1-4 family residential loans at 28.4%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in IL; its Breese office books 43% of its branch deposits. On its Q2 2026 call report, Germantown Trust & Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 205 N Germantown Rd, Breese, IL 62230
- County
- Clinton
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 6, 1906
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $433.2M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $538.0M
- Average total loans
- $286.0M
- Average interest-bearing deposits
- $355.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12113
- Fed RSSD
- 830748
- Website
- www.gtsb.com →
- Parent Holding Company
- GERMANTOWN BANC CORP. (RSSD 1098741)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Germantown Trust & Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Germantown Trust & Savings Bank's total assets ran between $466.3M (Q3 2023) and $523.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$523.6M total assets against $499.5M; $478.6M total liabilities against $460.7M.
$283.6M net loans and leases against $273.9M; $433.2M total deposits against $415.2M.
$203.4M securities against $197.9M; $27.8M cash and balances due against $19.7M.
$6.5M total interest income against $6.1M; $2.2M total interest expense against $2.4M.
$4.3M net interest income against $3.7M.
$282K total noninterest income against $250K; $1.6M total noninterest expense against $1.4M.
$31K provision for credit losses against $31K.
$3.0M net income against $2.4M.
2.24% return on assets against 1.86%; 3.34% net interest margin against 2.91%.
11.58% tier 1 leverage ratio against 11.43%.
Inside the full Germantown Trust & Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGermantown Trust & Savings Bank rankings
Its closest position to the top of a national ranking is 70 of 3,606, for efficiency ratio; its furthest is 2,807 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.50% (Q3 2024) to 2.24% (Q2 2026) and its net interest margin ran from 2.52% (Q3 2024) to 3.34% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.58% | 2.24% | 0.13% | 0.79% | 3.34% |
| Q1 2026 | 11.85% | 2.12% | 0.13% | 0.76% | 3.24% |
| Q4 2025 | 12.02% | 1.55% | 0.00% | 0.00% | 3.15% |
| Q3 2025 | 11.60% | 1.98% | 0.00% | 0.00% | 3.03% |
| Q2 2025 | 11.43% | 1.86% | 0.00% | 0.00% | 2.91% |
| Q1 2025 | 11.78% | 1.71% | 0.00% | 0.00% | 2.78% |
| Q4 2024 | 11.77% | 1.52% | 0.00% | 0.00% | 2.63% |
| Q3 2024 | 11.55% | 1.50% | 0.00% | 0.00% | 2.52% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Germantown Trust & Savings Bank (main office) | Breese , IL | 62230 | $188.2M |
| Germantown Branch | Germantown , IL | 62245 | $146.1M |
| Bartelso Branch | Bartelso , IL | 62218 | $70.9M |
| Beckemeyer Branch | Beckemeyer , IL | 62219 | $28.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2000 | Structure Change | Acquired Bartelso Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 120 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $558K approved, $558K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Germantown Trust & Savings Bank
What are Germantown Trust & Savings Bank's total assets?
As of the Q2 2026 filing, Germantown Trust & Savings Bank reported total assets of $523.6 million in its FFIEC call report.
Where is Germantown Trust & Savings Bank headquartered?
It is headquartered in Breese, IL, United States.
When was Germantown Trust & Savings Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Germantown Trust & Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Germantown Trust & Savings Bank?
Germantown Trust & Savings Bank's primary federal regulator is the FDIC.
How many branches does Germantown Trust & Savings Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Germantown Trust & Savings Bank's Texas Ratio?
Its Texas Ratio is 0.79% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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