Side-by-side · Q2 2026 data
Germantown Trust & Savings Bank vs First State Bank and Trust
Metric by metric
| Measure | Germantown Trust & Savings Bank | First State Bank and Trust |
|---|---|---|
| TellerScore | 87 (stronger) | 73 |
| Capital cushion | 66 (stronger) | 42 |
| Loan quality | 96 (stronger) | 85 |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 92 (stronger) | 85 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 91st | 53rd |
| Total assets | $523.6M | $509.6M |
| Deposits / shares | $433.2M | $464.3M |
| Capital ratio | 11.58% (stronger) | 9.25% |
| Problem loans | 0.13% (stronger) | 0.44% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.25% (stronger) | 1.65% |
| Loans ÷ deposits | 65.5% | 42.7% (stronger) |
| Uninsured deposits | 17.3% (stronger) | 29.2% |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | 5.9% |
Germantown Trust & Savings Bank has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Germantown Trust & Savings Bank leads on 6 and First State Bank and Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.