Side-by-side · Q2 2026 data
Germantown Trust & Savings Bank vs First Secure Community Bank
Metric by metric
| Measure | Germantown Trust & Savings Bank | First Secure Community Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 34 |
| Capital cushion | 66 (stronger) | 44 |
| Loan quality | 96 (stronger) | 5 |
| Earnings | 100 (stronger) | 31 |
| Funding & liquidity | 92 (stronger) | 63 |
| Problem-loan coverage | 98 (stronger) | 43 |
| Peer percentile | 91st | 1st |
| Total assets | $523.6M | $528.8M |
| Deposits / shares | $433.2M | $427.8M |
| Capital ratio | 11.58% (stronger) | 9.43% |
| Problem loans | 0.13% (stronger) | 2.85% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 2.25% (stronger) | 0.28% |
| Loans ÷ deposits | 65.5% (stronger) | 90.5% |
| Uninsured deposits | 17.3% (stronger) | 21.5% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | — |
Germantown Trust & Savings Bank has the higher TellerScore (87 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Germantown Trust & Savings Bank leads on 7 and First Secure Community Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.