Germantown Trust & Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits climbed 1.27 percentage points in Q2 2026, from 89.73% to 91.00%. It was the largest change from Q1 2026 among the key lines here. Among 323 Illinois banks, Germantown Trust & Savings Bank sits 17th from the top on return on assets, 2.24% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Germantown Trust & Savings Bank reported 2.24% on return on assets in Q2 2026, 0.98 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.58% |
| Equity capital to assets | 8.59% |
| Tangible equity to tangible assets | 8.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.79% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 741.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.24% |
| Return on equity | 26.31% |
| Net interest margin | 3.34% |
| Efficiency ratio | 32.98% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.12% |
| Core deposits to total deposits | 91.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.73% |
| Securities to assets | 38.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.18% | 1.56% | 2.49% | 0.00% | 0.01% |
| Q4 2023 | 11.47% | 1.50% | 2.44% | 0.00% | 0.00% |
| Q1 2024 | 11.62% | 1.38% | 2.38% | 0.00% | 0.02% |
| Q2 2024 | 11.53% | 1.48% | 2.52% | 0.00% | 0.00% |
| Q3 2024 | 11.55% | 1.50% | 2.52% | 0.00% | 0.00% |
| Q4 2024 | 11.77% | 1.52% | 2.63% | 0.00% | 0.01% |
| Q1 2025 | 11.78% | 1.71% | 2.78% | 0.00% | 0.00% |
| Q2 2025 | 11.43% | 1.86% | 2.91% | 0.00% | 0.00% |
| Q3 2025 | 11.60% | 1.98% | 3.03% | 0.00% | 0.00% |
| Q4 2025 | 12.02% | 1.55% | 3.15% | 0.00% | 0.00% |
| Q1 2026 | 11.85% | 2.12% | 3.24% | 0.13% | 0.00% |
| Q2 2026 | 11.58% | 2.24% | 3.34% | 0.13% | 0.00% |
Germantown Trust & Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Germantown Trust & Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)