Germantown Trust & Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Germantown Trust & Savings Bank of Breese, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.24% | 1.34% | +0.90% | 91st top |
| ROAE | 26.31% | 13.31% | +13.00% | 96th top |
| Net Interest Margin | 3.34% | 3.93% | -0.59% | 21st bottom |
| Efficiency Ratio | 32.98% | 61.15% | -28.17% | 98th top |
| PPNR / Avg Assets | 2.29% | 1.68% | +0.61% | 83rd top |
| Yield on Earning Assets | 4.99% | 5.67% | -0.68% | 23rd bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.88% | -0.04% | 47th below |
| Net Interest Spread | 2.81% | 3.32% | -0.51% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 70th above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 74th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 24th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 741.32% | 1539.12% | -797.80% | 78th top |
| Texas Ratio | 0.79% | 7.33% | -6.54% | 75th top |
| Provision / NCO | 6100.00% | 1391.86% | +4708.14% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.58% | 12.14% | -0.56% | 59th above |
| Equity / Assets | 8.59% | 11.38% | -2.79% | 21st bottom |
| TCE / Tangible Assets | 8.59% | 11.09% | -2.50% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.12% | 80.64% | -14.52% | 76th top |
| Core Deposit Ratio | 91.00% | 86.86% | +4.14% | 61st above |
| Wholesale Funding Ratio | 8.40% | 5.03% | +3.37% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.82% | 6.85% | -2.03% | 53rd above |
| Loan Growth (Y/Y) | 3.54% | 7.90% | -4.36% | 40th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.33% | 6.29% | -1.96% | 52nd above |
See Germantown Trust & Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Germantown Trust & Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Germantown Trust & Savings Bank profile, how to read a UBPR, or how this data updates.