Germantown Trust & Savings Bank: how it compares with its peers
Against 116 IL banks with half to twice its assets, Germantown Trust & Savings Bank's strongest measure in Q2 2026 is efficiency ratio (33.99% vs. a 62.63% peer median). Its weakest relative measure is net interest margin (3.37% vs. 3.68%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.25% | 1.16% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.37% | 3.68% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 33.99% | 62.63% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.1M | $7.3M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.47% | 77.89% | Context |
What it means for lending operations
Its efficiency ratio of 33.99% is better than the 62.63% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Secure Community Bank Sugar Grove, IL · $529M
- Citizens Community Bank Mascoutah, IL · $531M
- First Robinson Savings Bank, National Association Robinson, IL · $512M
- Pan American Bank & Trust Melrose Park, IL · $536M
- First Nations Bank Chicago, IL · $537M
- First State Bank and Trust Monticello, IL · $510M
Questions about Germantown Trust & Savings Bank
How big is Germantown Trust & Savings Bank?
Germantown Trust & Savings Bank, established in 1906, is headquartered in Breese, IL. It reported $524M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Germantown Trust & Savings Bank's return on assets?
2.25% annualized in Q2 2026, against a 1.16% median for 116 IL banks with half to twice its assets, ahead of 95% of them.
What is Germantown Trust & Savings Bank's efficiency ratio?
33.99% in Q2 2026: it spent about 34 cents in noninterest expense for each dollar of revenue. The peer median is 62.63%, and lower is better.
Is Germantown Trust & Savings Bank growing its loans?
Net loans grew 3.5% over the year to Q2 2026, while deposits grew 4.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.