Side-by-side · Q2 2026 data
The Peoples State Bank of Newton, Illinois vs Germantown Trust & Savings Bank
Metric by metric
| Measure | The Peoples State Bank of Newton, Illinois | Germantown Trust & Savings Bank |
|---|---|---|
| TellerScore | 81 | 87 (stronger) |
| Capital cushion | 85 (stronger) | 66 |
| Loan quality | 82 | 96 (stronger) |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 64 | 92 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 80th | 91st |
| Total assets | $736.7M | $523.6M |
| Deposits / shares | $577.9M | $433.2M |
| Capital ratio | 13.52% (stronger) | 11.58% |
| Problem loans | 0.54% | 0.13% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.48% | 2.25% (stronger) |
| Loans ÷ deposits | 85.5% | 65.5% (stronger) |
| Uninsured deposits | 24.6% | 17.3% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | 4.7% |
Germantown Trust & Savings Bank has the higher TellerScore (87 vs 81). On the 7 directional measures above (where higher or lower is clearly better), The Peoples State Bank of Newton, Illinois leads on 1 and Germantown Trust & Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.