BlastPoint's Banking Scorecard
Germantown Trust & Savings Bank
Community
Specialty: Agricultural
IL
FDIC cert 12113
Breese, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Germantown Trust & Savings Bank shows strong momentum with 4 strengths and 6.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 38% in Community
- + Efficiency Ratio 25.43% below tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$510.0M
+6.4% YoY
+1.6% QoQ
|
-$881.4M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$279.0M
+1.3% YoY
+3.3% QoQ
|
-$696.4M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$417.7M
+6.5% YoY
+1.1% QoQ
|
-$746.9M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
1.84%
+19.7% YoY
-4.6% QoQ
|
+0.68% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.06%
+17.4% YoY
+1.5% QoQ
|
-0.61% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
37.20%
-12.2% YoY
+0.3% QoQ
|
-25.43% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
66.80%
-4.8% YoY
+2.1% QoQ
|
-16.27% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
16.92%
+3.0% YoY
-0.9% QoQ
|
-4.13% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.21%
-1.5% YoY
+36.8% QoQ
|
-0.53% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#140 of 371 · Top 38% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.84%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
37.20%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
97
97th pctile
Efficiency Ratio
Current: 37.20% · Tier avg: 62.63%
88
88th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.92% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.66%
16
16th pctile
Loan-to-Deposit Ratio
Current: 66.80% · Tier avg: 83.06%
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
4
4th pctile
Total Loans
Current: $279.0M · Tier avg: $975.5M
2
2th pctile
Total Deposits
Current: $417.7M · Tier avg: $1.2B
1
1th pctile
Total Assets
Current: $510.0M · Tier avg: $1.4B
Top Weaknesses
1
1th pctile
Total Assets
Current: $510.0M · Tier avg: $1.4B
2
2th pctile
Total Deposits
Current: $417.7M · Tier avg: $1.2B
4
4th pctile
Total Loans
Current: $279.0M · Tier avg: $975.5M
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
16
16th pctile
Loan-to-Deposit Ratio
Current: 66.80% · Tier avg: 83.06%
20
20th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.92% · Tier avg: 21.05%
88
88th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%
97
97th pctile
Efficiency Ratio
Current: 37.20% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%