🏦Bank Scorer

GERMANTOWN TRUST & SAVINGS BANK

BREESE, IL · Supervised by FDIC

Est. 1906FDIC #12,113RSSD: FDIC-12113
Part ofGERMANTOWN BANC CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.19%

Institution Profile

FDIC BankFind

Address

205 N Germantown Rd, BREESE, IL

County

Clinton County

Established

February 6, 1906

Total Assets

$519M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$519M

Total Deposits

$427M

Net Loans

$283M

Net Income

$3M

ROA

2.19%

ROE

24.06%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.67%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$415M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246098.33%1.67%
20237789.61%1.30%
202213388.72%3.76%
202120386.7%3.94%
202021794.01%1.84%
201910693.4%3.77%
201812882.81%2.34%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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