Germantown Trust & Savings Bank is a state-chartered bank headquartered in Breese, Illinois, in business for about 120 years. At the end of Q2 2026 it reported $523.6M in total assets and $433.2M in deposits, with 4 offices.
Based on its Q2 2026 filing, Germantown Trust & Savings Bank scores 87/100, which we describe as very strong. That is higher than 91% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 24th. Its strongest component is earnings (100/100; 2.25%), and its lowest is capital cushion (66/100; 11.58%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 87).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 85 |
| Q4 2024 | 85 |
| Q1 2025 | 87 |
| Q2 2025 | 87 |
| Q3 2025 | 88 |
| Q4 2025 | 89 |
| Q1 2026 | 88 |
| Q2 2026 | 87 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.53% |
| Q3 2024 | 11.55% |
| Q4 2024 | 11.77% |
| Q1 2025 | 11.78% |
| Q2 2025 | 11.43% |
| Q3 2025 | 11.60% |
| Q4 2025 | 12.02% |
| Q1 2026 | 11.85% |
| Q2 2026 | 11.58% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.54% |
| Q1 2025 | 1.78% |
| Q2 2025 | 1.87% |
| Q3 2025 | 1.93% |
| Q4 2025 | 1.84% |
| Q1 2026 | 2.19% |
| Q2 2026 | 2.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $523.6M | 11.58% | 0.13% | 2.25% | 65.5% |
| Q1 2026 | 88 | $519.0M | 11.85% | 0.13% | 2.19% | 66.3% |
| Q4 2025 | 89 | $510.0M | 12.02% | 0.00% | 1.84% | 66.8% |
| Q3 2025 | 88 | $501.9M | 11.60% | 0.00% | 1.93% | 65.4% |
| Q2 2025 | 87 | $499.5M | 11.43% | 0.00% | 1.87% | 66.0% |
| Q1 2025 | 87 | $500.1M | 11.78% | 0.00% | 1.78% | 68.4% |
| Q4 2024 | 85 | $479.2M | 11.77% | 0.00% | 1.54% | 70.2% |
| Q3 2024 | 85 | $486.0M | 11.55% | 0.00% | 1.52% | 70.2% |
| Q2 2024 | 84 | $472.6M | 11.53% | 0.00% | 1.50% | 69.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Secure Community BankBank Sugar Grove, IL | 34 out of 100, Low | $528.8M | 9.4% | 2.85% | vs |
| Citizens Community BankBank Mascoutah, IL | 31 out of 100, Low | $531.0M | 9.8% | 5.81% | vs |
| First Robinson Savings Bank, National AssociationBank Robinson, IL | 57 out of 100, Moderate | $512.1M | 8.7% | 1.37% | vs |
| Pan American Bank & TrustBank Melrose Park, IL | 59 out of 100, Moderate | $536.1M | 8.6% | 0.12% | vs |
| First Nations BankBank Chicago, IL | 82 out of 100, Strong | $536.6M | 14.1% | 0.12% | vs |
| First State Bank and TrustBank Monticello, IL | 73 out of 100, Strong | $509.6M | 9.2% | 0.44% | vs |
Deposit insurance
Is my money safe at Germantown Trust & Savings Bank?
Yes. Germantown Trust & Savings Bank is an FDIC-insured institution (FDIC certificate #12113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.3% of deposits ($75.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Germantown Trust & Savings Bank lists 4 offices in 4 cities. Most locations:
- Bartelso, IL (1)
- Beckemeyer, IL (1)
- Breese, IL (1)
- Germantown, IL (1)
HMDA 2025
Mortgage lending
In 2025, Germantown Trust & Savings Bank reported 64 home-loan applications under HMDA (LEI 2549005HG8EMM4748S60): 61 originated ($10,335,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Germantown Trust & Savings Bank
- Former names
- Germantown Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12113
- RSSD ID
- 830748
- Primary regulator
- FDIC
- Holding company
- Germantown Banc Corp
- Established
- February 6, 1906
- Headquarters
- 205 N Germantown Rd, Breese, IL 62230
- Website
- www.gtsb.com
- Employees
- 47
Quick answers
Germantown Trust & Savings Bank: common questions
Is Germantown Trust & Savings Bank FDIC insured?
Yes. Germantown Trust & Savings Bank is an FDIC-insured institution (FDIC certificate #12113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Germantown Trust & Savings Bank's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Germantown Trust & Savings Bank ever failed?
There is no failure record for FDIC certificate #12113 in the FDIC failed bank list.
How many branches does Germantown Trust & Savings Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Breese
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nashville Savings BankBank Nashville, IL | 84 out of 100, Strong | $107.9M | 12.9% | 0.00% | vs |
| Bank of O'FallonBank O'Fallon, IL | 81 out of 100, Strong | $377.5M | 13.8% | 0.69% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| The Old Exchange National Bank of OkawvilleBank Okawville, IL | 80 out of 100, Strong | $91.3M | 11.1% | 0.19% | vs |
| The First National Bank of OkawvilleBank Okawville, IL | 80 out of 100, Strong | $66.3M | 12.5% | 0.11% | vs |
| Genfed Financial Credit UnionCredit union Akron, OH | 79 out of 100, Strong | $335.9M | 16.8% | 1.38% | vs |