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Germantown Trust & Savings Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 12113

Breese, IL

4 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +4.3% year over year ($433.2M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 2.25%.
  • Efficiency ratio 33.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 65.47% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Germantown Trust & Savings Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 21.9% in tier
  • + Efficiency Ratio 30.49% below tier average
  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 13.5% in tier
  • - Credit Quality Pressure: Bottom 21.0% in tier
  • - Net Interest Margin 0.61% below tier average
Get updates when Germantown Trust & Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $523.6M
+4.8% YoY +0.9% QoQ
+$137.1M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $283.6M
+3.5% YoY +0.2% QoQ
+$25.2M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $433.2M
+4.3% YoY +1.4% QoQ
+$106.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 2.25%
+20.5% YoY +2.9% QoQ
+0.93% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 7.9% in tier
Net Interest Margin ? 3.37%
+14.0% YoY +1.5% QoQ
-0.61% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
22%
Efficiency Ratio ? 33.99%
-10.5% YoY -1.4% QoQ
-30.49% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 1.5% in tier
Delinquency Rate ? 0.13%
+0.8% QoQ
-0.78% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
71%
Loan-to-Deposit Ratio ? 65.47%
-0.8% YoY -1.2% QoQ
-12.49% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
76%
Non-Interest-Bearing Deposit Share ? 17.24%
+1.9% YoY -0.5% QoQ
-4.79% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.07%
+0.2% QoQ
-0.60% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
75%
Tier 1 Capital Ratio ? 11.58%
+1.3% YoY -2.3% QoQ
-4.33% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.10%
-1.9% YoY +122.8% QoQ
-0.47% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 17.2%
+0.3pp YoY
-0.1pp QoQ
 -4.9pp 22.1% 20.1% 22.2% 32%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 7.7%
+0.7pp YoY
0.0pp QoQ
 -3.8pp 11.6% 14.7% 12.5% 38%
CRE 14.1%
-0.3pp YoY
-0.1pp QoQ
 -25.5pp 39.5% 37.9% 41.4% 9%
1-4 Family 28.7%
-1.7pp YoY
-0.7pp QoQ
 -3.9pp 32.6% 28.3% 31.3% 48%
Consumer 1.3%
+0.1pp YoY
+0.3pp QoQ
 -2.8pp 4.1% 5.4% 5.0% 35%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 11.6%
+0.2pp YoY
-0.3pp QoQ
 -0.6pp 12.2% 12.2% 12.6% 59%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 47
+1 (+2.2%) YoY
0 QoQ
 -12 58 228 482 49%
Assets per Employee ($) $11.1M
+2.6% YoY
+0.9% QoQ
 +$3.6M $7.5M $8.3M $8.8M 90%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
0.0pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 23%
Allowance Coverage 7.41x
0.0% QoQ
 -16.74x 24.15x 5.62x 20.23x 78%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 29%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 25.2%
+1.2pp YoY
+1.2pp QoQ
 +13.0pp 12.2% 10.5% 11.6% 96%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 54%
Net Income ($, YTD) $5.8M
+26.5% YoY
— QoQ
 +$3.3M $2.6M $11.7M $40.4M 91%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#146 of 661 • Top 21.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.25%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#127 of 936 • Bottom 13.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#265 of 1256 • Bottom 21.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

41
Efficiency Ratio
profitability
Value: 33.99%
Peer Median: 64.48%
#41 of 2643 Top 1.5% in $100M-$1B
210
Return on Assets
profitability
Value: 2.25%
Peer Median: 1.32%
#210 of 2643 Top 7.9% in $100M-$1B
635
Loan-to-Deposit Ratio
liquidity
Value: 65.47%
Peer Median: 77.95%
#635 of 2643 Top 24.0% in $100M-$1B
655
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#655 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (2 metrics)

2183
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2183 of 2643 Bottom 17.4% in $100M-$1B
2054
Net Interest Margin
profitability
Value: 3.37%
Peer Median: 3.99%
#2054 of 2643 Bottom 22.3% in $100M-$1B
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