Germantown Trust & Savings Bank
Breese, IL
IDRSSD: 830748
Total Assets
$510.03M
Latest filing
Total Deposits
$417.73M
Latest filing
Net Interest Margin
3.20%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Germantown Trust & Savings Bank
205 N Germantown Rd
Breese, IL 62230
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/06/1906FDIC Certificate 7695
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Germantown Trust & Savings Bank (Main) | 205 N Germantown Rd | Breese, IL |
| BECKEMEYER BRANCH | 160 Louis St | Beckemeyer, IL |
| GERMANTOWN BRANCH | 601 Main St | Germantown, IL |
| BARTELSO BRANCH | 703 Carlyle Road | Bartelso, IL |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First Robinson Savings Bank, National Association
Robinson, Illinois
→
Assets: $496.63MΔ -1.1%
First State Bank and Trust
Monticello, Illinois
→
Assets: $511.35MΔ +1.9%
First Secure Community Bank
Sugar Grove, Illinois
→
Assets: $513.83MΔ +2.4%
Sterling Federal Bank, F.S.B.
Sterling, Illinois
→
Assets: $515.06MΔ +2.6%
American Eagle Bank
South Elgin, Illinois
→
Assets: $487.85MΔ -2.8%
Citizens Community Bank
Mascoutah, Illinois
→
Assets: $516.07MΔ +2.8%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/06/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62230 |
| State and County Number | 17027 |
| Subchapter S Corporations | Yes |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | St. Louis, MO-IL |
Operational Info
| Number of Employees | 45 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/29/2021 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.gtsb.com |
| Data Updated | 01/30/2026 |
| CERT | 12113 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $510.03M |
| Total Deposits | $417.73M |
| Total Liabilities | $463.01M |
| Total Equity Capital | $47.02M |
| Net Income | $2.01M |
| Net Loans and Leases | $279.03M |
| Assets Per Employee ($Millions) | $11.09M |
| Bank Premises and Fixed Assets | $1.11M |
| Cash and Balances due from Depository Institutions | $7.15M |
| Deposits Held in Domestic Offices | $417.73M |
Key Performance Ratios
| Return on Assets (ROA) | 1.59% |
| Return on Equity (ROE) | 17.77% |
| Net Interest Margin | 3.2% |
| Efficiency Ratio | 37.54% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.219% |
| Earning Assets to total Assets | 97.39% |
Income and Expense
| Total Interest Income | $6.22M |
| Total Noninterest Income | $294.00k |
| Total Interest Expense | $2.28M |
| Total Noninterest Expense | $1.59M |
| Net Interest Income | $3.94M |
| Pre-tax Net Operating Income | $2.56M |
| Provision for Credit Losses | $89.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $44.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $13.93M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.28M |
| Total Liabilities and Capital | $510.03M |
Securities
| Securities | $201.04M |
| Available-for-sale debt securities | $199.64M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.40M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Germantown Trust & Savings Bank?
$510.03M as of the latest filing.
How much are Germantown Trust & Savings Bank's total deposits?
$417.73M in total deposits.
Where is Germantown Trust & Savings Bank located?
Breese, IL.
What is the Net Interest Margin?
3.20%.
How many domestic offices does it operate?
4.
When was it established?
02/06/1906.
What is the Return on Assets (ROA)?
1.59%.
How much are total loans and leases?
$279.03M (latest filing).
What is the total interest income (latest filing)?
$6.22M.