Germantown Trust & Savings Bank

Headquarters

205 Germantown Road
Breese, IL 62230
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Germantown Trust & Savings Bank is an FDIC insured institution located in Breese, IL. It was founded in 1906 and has approximately $0.4 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 12113
Date Established 1906
Assets $ 402.43 million
Loans $ 219.05 million
Deposits $ 317.75 million
Capital $ 54.41 million
 

For a more detailed analysis of Germantown Trust & Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 27, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 27, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Germantown Trust & Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




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Note to Germantown Trust & Savings Bank
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Branches

Germantown Trust & Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Germantown Trust & Savings Bank Locations


Financial Details

Germantown Trust & Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Germantown Trust & Savings Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Germantown Trust & Savings Bank U.S. Bank Average
3.93% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Germantown Trust & Savings Bank had $2,180,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $54,412,000 in equity and $1,015,000 in loans loss reserves. That gives it a Texas Ratio of 3.93%.

Return on Equity
Germantown Trust & Savings Bank U.S. Bank Average
14.4% 7.80%

Germantown Trust & Savings Bank has a Return on Equity of 14.4% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Germantown Trust & Savings Bank U.S. Bank Average
13.52% 12.68%

Germantown Trust & Savings Bank has a Capitalization of 13.52% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Germantown Trust & Savings Bank Balance Sheet Analysis

As of March 31, 2020, Germantown Trust & Savings Bank had assets of $402,426,000, loans of $219,052,000, and deposits of $317,751,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 6.28 million
Interest-bearing balances $ 2.84 million
Total securities $ 172.16 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 219.05 million
Loan loss allowance $ 1.02 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.69 million
     Total Assets $ 348.01 million
LIABILITIES
Total deposits $ 317.75 million
      Interest-bearing deposits $ 273.21 million
      Deposits held in domestic offices $ 317.75 million
      % insured (estimated) 88.34%
Federal funds purchased and repurchase agreements $ 0.40 million
Trading liabilities N.A.
Other borrowed funds $ 29.25 million
Subordinated debt N.A.
All other liabilities $ 0.61 million
      Total Liabilities $ 348.01 million
      Shareholders’ Equity $ 54.41 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.81 million
Total Interest Expense $ 0.89 million
Net interest income $ 2.92 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 0.25 million
Total non interest expense $ 1.07 million
Pre-tax Net Operating Income $ 1.95 million

Bank Loan Profile?

The top three loan types in Germantown Trust & Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.

Compared to other banks in Illinois, Germantown Trust & Savings Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 26.99
Multifamily
Mortgages
0.18
Credit Card Loans 0.00
Consumer Auto Loans 1.20
Small Business Loans 0.00
Construction and Development Loans 8.17
Commercial Real Estate 6.95
Commercial and Industrial Loans 3.00
Farm Loans 2.63

Frequently Asked Questions About Germantown Trust & Savings Bank

Branches and Savings

Is Germantown Trust & Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12113.

Why does Germantown Trust & Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Germantown Trust & Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Germantown Trust & Savings Bank a commercial bank?

Yes

Where are Germantown Trust & Savings Bank locations?

See branch locations nearby.

Is Germantown Trust & Savings Bank open on Saturdays?

Is Germantown Trust & Savings Bank open on Sundays?

What time does Germantown Trust & Savings Bank open?

What time does Germantown Trust & Savings Bank close?

Are Germantown Trust & Savings Bank ATMs Open 24/7?

Do Germantown Trust & Savings Bank ATMs accept cash deposits?

Can Germantown Trust & Savings Bank customers use other ATMs?

Do Germantown Trust & Savings Bank branches have notaries?

Will Germantown Trust & Savings Bank notarize my document?

What address for Germantown Trust & Savings Bank should I put for incoming ACH transfers?

Will the Germantown Trust & Savings Bank branch print checks?

Do Germantown Trust & Savings Bank checks expire?

Does Germantown Trust & Savings Bank require US citizenship to open account?

Can Germantown Trust & Savings Bank close my account?

Does Germantown Trust & Savings Bank Report to credit bureaus?

Does Germantown Trust & Savings Bank Use Equifax?

What is Germantown Trust & Savings Bank's ACH Routing Number?

What is Germantown Trust & Savings Bank's SWIFT code?

Products

Does Germantown Trust & Savings Bank offer mortgages?

Compare mortgage rates here.

Does Germantown Trust & Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Germantown Trust & Savings Bank offer personal loans?

Compare personal loan rates here.

Does Germantown Trust & Savings Bank offer student loans?

Will Germantown Trust & Savings Bank cash a check?

Will Germantown Trust & Savings Bank redeem a savings bond?

Does Germantown Trust & Savings Bank cash savings bonds?

Will Germantown Trust & Savings Bank cash money orders?

Can Germantown Trust & Savings Bank issue a money order?

Does Germantown Trust & Savings Bank do currency exchange?

Background on The Bank

Who owns Germantown Trust & Savings Bank?

How long has Germantown Trust & Savings Bank been around?

Can Germantown Trust & Savings Bank transfer to other banks?

Does Germantown Trust & Savings Bank have quick pay?

Does Germantown Trust & Savings Bank accept rolled coins?

Will Germantown Trust & Savings Bank accept loose change?

Where is Germantown Trust & Savings Bank headquarters?

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