Side-by-side · Q2 2026 data
The Old Exchange National Bank of Okawville vs Germantown Trust & Savings Bank
Bank
The Old Exchange National Bank of Okawville
Okawville, Illinois · Under $100 million in assets
Metric by metric
| Measure | The Old Exchange National Bank of Okawville | Germantown Trust & Savings Bank |
|---|---|---|
| TellerScore | 80 | 87 (stronger) |
| Capital cushion | 61 | 66 (stronger) |
| Loan quality | 94 | 96 (stronger) |
| Earnings | 65 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 66th | 91st |
| Total assets | $91.3M | $523.6M |
| Deposits / shares | $80.1M | $433.2M |
| Capital ratio | 11.13% | 11.58% (stronger) |
| Problem loans | 0.19% | 0.13% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.12% | 2.25% (stronger) |
| Loans ÷ deposits | 48.1% (stronger) | 65.5% |
| Uninsured deposits | 10.8% (stronger) | 17.3% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.7% |
Germantown Trust & Savings Bank has the higher TellerScore (87 vs 80). On the 7 directional measures above (where higher or lower is clearly better), The Old Exchange National Bank of Okawville leads on 2 and Germantown Trust & Savings Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.