Germantown Trust & Savings Bank Mortgage Rates, Fees & Info

Breese, IL

LEI: 2549005HG8EMM4748S60

Tax ID: 37-0291490

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Germantown Trust & Savings Bank is a smaller bank specializing in Home Purchase and Refi loans. Germantown Trust & Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Centralia, Mount Vernon, Carbondale, and Branson among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Germantown Trust & Savings Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    106

    Origination Dollar Volume (All Markets)

    $14,170,000

    Employee count

    42

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ST. LOUIS, MO-IL (FHA|USDA|VA) 97 $12,995,000 $133,969 $0 0.00%
    Centralia, IL (FHA|USDA|VA) 4 $500,000 $125,000 $0 0.00%
    Mount Vernon, IL (FHA|USDA|VA) 3 $425,000 $141,667 $0 0.00%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
    Branson, MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
    Germantown Trust & Savings Bank's top markets include St. Louis, Centralia, Mount Vernon, Carbondale, and Branson among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 106 $14,170,000 $133,679 $0 0.00%

    For 2018, Germantown Trust & Savings Bank's most frequently originated type of loan was Conventional, with 106 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 63 $9,495,000 $150,714 $0 0.00%
    Refi 20 $3,200,000 $160,000 $0 0.00%
    Other 16 $1,140,000 $71,250 $0 0.00%
    Home Improvement 7 $335,000 $47,857 $0 0.00%

    For 2018, Germantown Trust & Savings Bank's most frequently cited loan purpose was Home Purchase, with 63 originations. The 2nd most popular reason was Refi, with 20 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 106 $14,170,000 $133,679 $0 0.00%

    For 2018, Germantown Trust & Savings Bank's most frequently cited loan duration was Other, with 106 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 46 $2,440,000 $53,043 $0 0.00%
    $100k-200k 36 $4,820,000 $133,889 $0 0.00%
    $200k-400k 22 $5,870,000 $266,818 $0 0.00%
    $400k-600k 1 $405,000 $405,000 $0 0.00%
    $600k-1MM 1 $635,000 $635,000 $0 0.00%

    2018 saw Germantown Trust & Savings Bank place emphasis on $100,000 or less loans with 46 originations, totaling $2,440,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 25 $3,415,000 $136,600 $0 0.00%
    $75k-100k 21 $2,715,000 $129,286 $0 0.00%
    $50k or less 20 $1,810,000 $90,500 $0 0.00%
    $50k-75k 19 $1,915,000 $100,789 $0 0.00%
    $150k-250k 10 $1,870,000 $187,000 $0 0.00%
    $250k+ 3 $815,000 $271,667 $0 0.00%

    Germantown Trust & Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 25 originations. The second most popular income band? $75k-100k, with 21 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 106 $14,170,000 $133,679 $0 0.00%

    Germantown Trust & Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 106 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 102 $13,240,000 $129,804 $0 0.00%
    Not applicable 4 $930,000 $232,500 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.66%

    Germantown Trust & Savings Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    82.08%

    Germantown Trust & Savings Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 106 $14,170,000 $133,679

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $795,000 $265,000
    Single Family (1-4 Units):Manufactured 4 $240,000 $60,000
    Single Family (1-4 Units):Site-Built 99 $13,135,000 $132,677

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Germantown Trust & Savings Bank 160 Louis Street Beckemeyer, IL 62219 Full Service B&M $21,077
    Germantown Trust & Savings Bank 205 Germantown Road Breese, IL 62230 Full Service B&M $115,259
    Germantown Trust & Savings Bank 601 Main Street Germantown, IL 62245 Full Service B&M $111,169
    Germantown Trust & Savings Bank 703 Carlyle Road Bartelso, IL 62218 Full Service B&M $50,969

    For 2018, Germantown Trust & Savings Bank had 4 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $13,297
    Net interest income $10,462
    Total noninterest income $894
    Gross Fiduciary activities income $53
    Service charges on deposit accounts $307
    Trading account gains and fees $0
    Additional Noninterest Income $534
    Pre-tax net operating income $7,041
    Securities gains (or losses, -) $19
    Income before extraordinary items $6,970
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,970
    Minority interest net income $0
    Net income $6,970
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,951

    Germantown Trust & Savings Bank's gross interest income from loans was $13,297,000.
    Germantown Trust & Savings Bank's net interest income from loans was $10,462,000.
    Germantown Trust & Savings Bank's fee based income from loans was $307,000.
    Germantown Trust & Savings Bank's net income from loans was $6,970,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,835
    Provision for credit losses $138
    Total noninterest expense $4,177
    Salaries and employee benefits $3,043
    Premises and equipment expense $307
    Additional noninterest expense $827
    Applicable income taxes $90
    Net charge-offs $220
    Cash dividends $5,726

    Germantown Trust & Savings Bank's interest expense for loans was $2,835,000.
    Germantown Trust & Savings Bank's payroll and benefits expense were $3,043,000.
    Germantown Trust & Savings Bank's property, plant and equipment expenses $307,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 3.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $299,145
    Deposits held in domestic offices $299,145
    Deposits by Individuals, partnerships, and corporations $275,912
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $23,203
    Deposits by Commercial banks and other depository institutions in U.S. $30
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $72,787
    Demand deposits $38,901
    Nontransaction accounts $226,358
    Money market deposit accounts (MMDAs) $31,403
    Other savings deposits (excluding MMDAs) $76,512
    Total time deposits $118,443
    Total time and savings deposits $260,244
    Noninterest-bearing deposits $37,957
    Interest-bearing deposits $261,188
    Retail deposits $286,277
    IRAs and Keogh plan accounts $30,565
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $376,370
    Cash & Balances due from depository institutions $8,414
    Interest-bearing balances $3,990
    Total securities $154,065
    Federal funds sold & reverse repurchase $1,073
    Net loans and leases $208,152
    Loan and leases loss allowance $1,342
    Trading account assets $0
    Bank premises and fixed assets $1,224
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $3,442

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $376,370
    Total Liabilities $328,823
    Total deposits $299,145
    Interest-bearing deposits $261,188
    Deposits held in domestic offices $299,145
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $29,250
    Subordinated debt $0
    All other liabilities $428

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $208,152
    Loan and leases loss allowance $1,342
    Total loans and leases (domestic) $209,494
    All real estate loans $190,407
    Real estate loans in domestic offices $190,407
    Construction and development loans $13,715
    Residential 1-4 family construction $7,879
    Other construction, all land development and other land $5,836
    Loans secured by nonfarm nonresidential properties $18,769
    Nonfarm nonresidential secured by owner-occupied properties $17,067
    Commercial real estate & other non-farm, non-residential $1,702
    Multifamily residential real estate $558
    1-4 family residential loans $57,831
    Farmland loans $99,534
    Loans held in foreign offices $0
    Farm loans $7,531
    Commercial and industrial loans $5,810
    To non-U.S. addressees $0
    Loans to individuals $3,972
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2,284
    Other loans to individuals $1,688
    All other loans & leases $1,774
    Loans to foreign governments and official institutions $0
    Other loans $166
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Germantown Trust & Savings Bank had $208,152,000 of loans outstanding in 2018. $190,407,000 of loans were in real estate loans. $13,715,000 of loans were in development loans. $558,000 of loans were in multifamily mortgage loans. $57,831,000 of loans were in 1-4 family mortgage loans. $7,531,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,284,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 117 $14,608 $124,855
    Nonfarm, nonresidential loans - <$100k 42 $1,643 $39,119
    Nonfarm, nonresidential loans - $100-250k 43 $4,408 $102,512
    Nonfarm, nonresidential loans - $250k-1MM 32 $8,557 $267,406
    Commercial & Industrial, US addressed loans - <$1MM 152 $5,810 $38,224
    Commercial & Industrial, US addressed loans - <$100k 117 $2,617 $22,368
    Commercial & Industrial, US addressed loans - $100-250k 29 $2,583 $89,069
    Commercial & Industrial, US addressed loans - $250k-1MM 6 $610 $101,667
    Farmland loans - <$1MM 339 $44,087 $130,050
    Farmland loans - <$100k 132 $6,125 $46,402
    Farmland loans - $100-250k 127 $16,676 $131,307
    Farmland loans - $250k-1MM 80 $21,286 $266,075
    Agriculture operations loans - <$1MM 109 $7,531 $69,092
    Agriculture operations loans - <$100k 74 $2,172 $29,351
    Agriculture operations loans - $100-250k 27 $3,111 $115,222
    Agriculture operations loans - $250k-1MM 8 $2,248 $281,000