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Germantown Trust & Savings Bank

Breese, IL
IDRSSD: 830748
Total Assets
$501.94M
Latest filing
Total Deposits
$413.05M
Latest filing
Net Interest Margin
3.11%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date02/06/1906
Community BankYes
Ownership TypeNot Mutual
ZIP62230
State and County Number17027
Subchapter S CorporationsYes
Trust PowersLimited Trust Powers Granted
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameSt. Louis, MO-IL

Operational Info

Number of Employees46
Domestic Offices4
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/29/2021
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.gtsb.com
Data Updated11/14/2025
CERT12113
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$501.94M
Total Deposits$413.05M
Total Liabilities$458.57M
Total Equity Capital$43.37M
Net Income$2.57M
Net Loans and Leases$270.20M
Assets Per Employee ($Millions)$11.15M
Bank Premises and Fixed Assets$1.09M
Cash and Balances due from Depository Institutions$6.93M
Deposits Held in Domestic Offices$413.05M

Key Performance Ratios

Return on Assets (ROA)2.06%
Return on Equity (ROE)25.03%
Net Interest Margin3.11%
Efficiency Ratio35.38%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.02%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.64%
Earning Assets to total Assets97.53%

Income and Expense

Total Interest Income$6.16M
Total Noninterest Income$260.00k
Total Interest Expense$2.36M
Total Noninterest Expense$1.44M
Net Interest Income$3.80M
Pre-tax Net Operating Income$2.59M
Provision for Credit Losses$30.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$44.00M
Federal Funds Sold & Reverse Repurchase Agreement$13.95M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.52M
Total Liabilities and Capital$501.94M

Securities

Securities$202.06M
Available-for-sale debt securities$199.66M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$2.40M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Germantown Trust & Savings Bank?
$501.94M as of the latest filing.
How much are Germantown Trust & Savings Bank's total deposits?
$413.05M in total deposits.
Where is Germantown Trust & Savings Bank located?
Breese, IL.
What is the Net Interest Margin?
3.11%.
How many domestic offices does it operate?
4.
When was it established?
02/06/1906.
What is the Return on Assets (ROA)?
2.06%.
How much are total loans and leases?
$270.20M (latest filing).
What is the total interest income (latest filing)?
$6.16M.