Germantown Trust & Savings Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.91 percentage points lower than in Q1 2026, at 72.66%. Within Illinois, Germantown Trust & Savings Bank is 224th of 323 on loan-to-deposit ratio, 66.12% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Germantown Trust & Savings Bank sits 14.72 points lower, at 66.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $231.2M |
| Fed funds sold and reverse repos | $20.6M |
| Fed funds sold and reverse repos to assets | 3.93% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $44.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.12% |
| Net loans and leases to deposits | 65.47% |
| Loans and leases to core deposits | 72.66% |
| Core deposits to total deposits | 91.00% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 69.02% | 91.41% | $2.4M | $55.0M |
| Q4 2023 | 70.09% | 90.97% | $0 | $60.0M |
| Q1 2024 | 68.46% | 91.51% | $0 | $55.0M |
| Q2 2024 | 70.46% | 91.60% | $1.1M | $52.8M |
| Q3 2024 | 70.86% | 91.09% | $0 | $55.0M |
| Q4 2024 | 70.86% | 90.67% | $141K | $49.0M |
| Q1 2025 | 69.05% | 88.87% | $0 | $49.0M |
| Q2 2025 | 66.62% | 89.38% | $0 | $44.0M |
| Q3 2025 | 66.08% | 89.80% | $0 | $44.0M |
| Q4 2025 | 67.46% | 89.56% | $0 | $44.0M |
| Q1 2026 | 66.91% | 89.73% | $0 | $44.0M |
| Q2 2026 | 66.12% | 91.00% | $0 | $44.0M |
Germantown Trust & Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Germantown Trust & Savings Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Germantown Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12113) · FFIEC NIC profile (RSSD 830748)