Germantown Trust & Savings Bank

BankBreese, Illinois
www.gtsb.com

Total Assets

$510.0M

Total Deposits

$417.7M

Branches

4

Established

1906

TFS Health Grade

$
C

73.2 / 100

Average financial health

How we grade

Germantown Trust & Savings Bank is a bank headquartered in Breese, Illinois, established in 1906. With $510.0M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C (73.2/100).

Capital & Safety

Tier 1 Capital Ratio
12.02%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.84%(1%)
Return on Equity (ROE)
22.36%(10%)
Net Interest Margin
3.06%
Efficiency Ratio
37.20%(60%)

Lending & Liquidity

Total Loans
$281.8M
Loan-to-Deposit Ratio
66.80%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+6.43%
Deposit Growth (YoY)
+6.45%
Net Income
$9.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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