Germantown Trust & Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 0.80 percentage points in Q2 2026, from 66.91% to 66.12%. It was the largest change from Q1 2026 among the key lines here. Germantown Trust & Savings Bank ranks 224th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 66.12% (Q2 2026). Germantown Trust & Savings Bank reported 66.12% on loan-to-deposit ratio for Q2 2026, 14.72 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $286.4M |
| Net loans and leases | $283.6M |
| Loans held for sale | $0 |
| Loans to total assets | 54.69% |
| Loan-to-deposit ratio | 66.12% |
| Net loans to equity capital | 6.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.60% |
| Multifamily (5+ residential) | 0.11% |
| Commercial and industrial | 7.65% |
| Consumer | 1.26% |
| Credit cards | 0.00% |
| Farm | 43.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.80% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 34.31% |
| Construction concentration (Tier 1 capital + allowance) | 27.40% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.41% |
| Interest income on loans | $4.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $264.8M | $383.6M | 8.71% | 6.17% | 1.92% |
| Q4 2023 | $266.5M | $380.1M | 8.59% | 6.14% | 1.87% |
| Q1 2024 | $264.3M | $386.1M | 8.83% | 6.15% | 1.75% |
| Q2 2024 | $270.9M | $384.4M | 8.96% | 5.50% | 1.71% |
| Q3 2024 | $275.9M | $389.3M | 8.93% | 6.26% | 1.60% |
| Q4 2024 | $278.1M | $392.4M | 8.30% | 6.48% | 1.51% |
| Q1 2025 | $283.2M | $410.1M | 8.40% | 6.71% | 1.43% |
| Q2 2025 | $276.6M | $415.2M | 8.54% | 6.91% | 1.14% |
| Q3 2025 | $272.9M | $413.1M | 8.01% | 7.05% | 1.10% |
| Q4 2025 | $281.8M | $417.7M | 7.74% | 7.99% | 1.12% |
| Q1 2026 | $285.7M | $427.0M | 7.67% | 7.67% | 1.00% |
| Q2 2026 | $286.4M | $433.2M | 7.60% | 7.65% | 1.26% |
Germantown Trust & Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Germantown Trust & Savings Bank, freeSource: Call Report Schedule RC-C, 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)