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
  • Complaints
  • 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 Refi and Home Purchase loans. Germantown Trust & Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Tampa, Crestview, Kansas City, and Cape Girardeau among others. We have data for 7 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 an above 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

    204

    Origination Dollar Volume (All Markets)

    $38,260,000

    Employee count

    41

    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) 193 $33,925,000 $175,777 $0 0.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $1,980,000 $990,000 $0 0.00%
    Outside of Metro Areas 5 $1,395,000 $279,000 $0 0.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
    Centralia, IL (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
    Germantown Trust & Savings Bank's top markets include St. Louis, Tampa, Crestview, Kansas City, and Cape Girardeau among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 204 $38,260,000 $187,549 $0 0.00%

    For 2020, Germantown Trust & Savings Bank's most frequently originated type of loan was Conventional, with 204 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 127 $22,995,000 $181,063 $0 0.00%
    Home Purchase 69 $14,455,000 $209,493 $0 0.00%
    Other 6 $730,000 $121,667 $0 0.00%
    Home Improvement 2 $80,000 $40,000 $0 0.00%

    For 2020, Germantown Trust & Savings Bank's most frequently cited loan purpose was Refi, with 127 originations. The 2nd most popular reason was Home Purchase, with 69 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 204 $38,260,000 $187,549 $0 0.00%

    For 2020, Germantown Trust & Savings Bank's most frequently cited loan duration was Other, with 204 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 100 $14,370,000 $143,700 $0 0.00%
    $200k-400k 57 $16,155,000 $283,421 $0 0.00%
    $100,000 or less 39 $2,565,000 $65,769 $0 0.00%
    $400k-600k 7 $3,365,000 $480,714 $0 0.00%
    $1MM+ 1 $1,805,000 $1,805,000 $0 0.00%

    2020 saw Germantown Trust & Savings Bank place emphasis on $100k-200k loans with 100 originations, totaling $14,370,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 56 $10,800,000 $192,857 $0 0.00%
    $150k-250k 48 $11,690,000 $243,542 $0 0.00%
    $75k-100k 34 $5,090,000 $149,706 $0 0.00%
    $50k-75k 32 $3,870,000 $120,938 $0 0.00%
    $50k or less 23 $2,035,000 $88,478 $0 0.00%
    $250k+ 9 $4,435,000 $492,778 $0 0.00%

    Germantown Trust & Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 56 originations. The second most popular income band? $150k-250k, with 48 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 204 $38,260,000 $187,549 $0 0.00%

    Germantown Trust & Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 204 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 200 $37,220,000 $186,100 $0 0.00%
    Asian 1 $505,000 $505,000 $0 0.00%
    Not applicable 2 $340,000 $170,000 $0 0.00%
    Native Hawaiian or Islander 1 $195,000 $195,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    98.16%

    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
    95.59%

    Germantown Trust & Savings Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 204 $38,260,000 $187,549

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 3 $305,000 $101,667
    Single Family (1-4 Units):Site-Built 201 $37,955,000 $188,831

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Greenway Mortgage Funding Corp. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    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 $22,358
    Germantown Trust & Savings Bank 205 Germantown Road Breese, IL 62230 Full Service B&M $141,594
    Germantown Trust & Savings Bank 601 Main Street Germantown, IL 62245 Full Service B&M $123,884
    Germantown Trust & Savings Bank 703 Carlyle Road Bartelso, IL 62218 Full Service B&M $52,021

    For 2020, Germantown Trust & Savings Bank had 4 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $14,868
    Net interest income $11,473
    Total noninterest income $1,315
    Gross Fiduciary activities income $60
    Service charges on deposit accounts $209
    Trading account gains and fees $0
    Additional Noninterest Income $1,046
    Pre-tax net operating income $7,547
    Securities gains (or losses, -) $82
    Income before extraordinary items $7,545
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,545
    Minority interest net income $0
    Net income $7,545
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $7,463

    Germantown Trust & Savings Bank's gross interest income from loans was $14,868,000.
    Germantown Trust & Savings Bank's net interest income from loans was $11,473,000.
    Germantown Trust & Savings Bank's fee based income from loans was $209,000.
    Germantown Trust & Savings Bank's net income from loans was $7,545,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,395
    Provision for credit losses $900
    Total noninterest expense $4,341
    Salaries and employee benefits $3,181
    Premises and equipment expense $289
    Additional noninterest expense $871
    Applicable income taxes $84
    Net charge-offs $-73
    Cash dividends $6,013

    Germantown Trust & Savings Bank's interest expense for loans was $3,395,000.
    Germantown Trust & Savings Bank's payroll and benefits expense were $3,181,000.
    Germantown Trust & Savings Bank's property, plant and equipment expenses $289,000.

    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 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    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 $349,364
    Deposits held in domestic offices $349,364
    Deposits by Individuals, partnerships, and corporations $323,596
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $25,743
    Deposits by Commercial banks and other depository institutions in U.S. $25
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $97,749
    Demand deposits $57,114
    Nontransaction accounts $251,615
    Money market deposit accounts (MMDAs) $37,834
    Other savings deposits (excluding MMDAs) $89,287
    Total time deposits $124,494
    Total time and savings deposits $292,250
    Noninterest-bearing deposits $54,389
    Interest-bearing deposits $294,975
    Retail deposits $327,814
    IRAs and Keogh plan accounts $29,256
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $440,809
    Cash & Balances due from depository institutions $6,920
    Interest-bearing balances $2,843
    Total securities $192,343
    Federal funds sold & reverse repurchase $18,167
    Net loans and leases $218,396
    Loan and leases loss allowance $1,894
    Trading account assets $0
    Bank premises and fixed assets $1,183
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $3,800

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $440,809
    Total Liabilities $379,849
    Total deposits $349,364
    Interest-bearing deposits $294,975
    Deposits held in domestic offices $349,364
    % insured (estimated) $87
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $30,000
    Subordinated debt $0
    All other liabilities $485

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $218,396
    Loan and leases loss allowance $1,894
    Total loans and leases (domestic) $220,290
    All real estate loans $193,586
    Real estate loans in domestic offices $193,586
    Construction and development loans $18,318
    Residential 1-4 family construction $13,064
    Other construction, all land development and other land $5,254
    Loans secured by nonfarm nonresidential properties $15,047
    Nonfarm nonresidential secured by owner-occupied properties $12,089
    Commercial real estate & other non-farm, non-residential $2,958
    Multifamily residential real estate $380
    1-4 family residential loans $56,472
    Farmland loans $103,369
    Loans held in foreign offices $0
    Farm loans $5,807
    Commercial and industrial loans $12,781
    To non-U.S. addressees $0
    Loans to individuals $5,630
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2,484
    Other loans to individuals $3,146
    All other loans & leases $2,486
    Loans to foreign governments and official institutions $0
    Other loans $99
    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 $218,396,000 of loans outstanding in 2020. $193,586,000 of loans were in real estate loans. $18,318,000 of loans were in development loans. $380,000 of loans were in multifamily mortgage loans. $56,472,000 of loans were in 1-4 family mortgage loans. $5,807,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,484,000 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 111 $14,712 $132,541
    Nonfarm, nonresidential loans - <$100k 38 $1,517 $39,921
    Nonfarm, nonresidential loans - $100-250k 41 $4,602 $112,244
    Nonfarm, nonresidential loans - $250k-1MM 32 $8,593 $268,531
    Commercial & Industrial, US addressed loans - <$1MM 240 $11,297 $47,071
    Commercial & Industrial, US addressed loans - <$100k 185 $4,378 $23,665
    Commercial & Industrial, US addressed loans - $100-250k 47 $4,928 $104,851
    Commercial & Industrial, US addressed loans - $250k-1MM 8 $1,991 $248,875
    Farmland loans - <$1MM 313 $40,711 $130,067
    Farmland loans - <$100k 113 $4,769 $42,204
    Farmland loans - $100-250k 127 $15,285 $120,354
    Farmland loans - $250k-1MM 73 $20,657 $282,973
    Agriculture operations loans - <$1MM 98 $5,807 $59,255
    Agriculture operations loans - <$100k 67 $1,945 $29,030
    Agriculture operations loans - $100-250k 26 $2,619 $100,731
    Agriculture operations loans - $250k-1MM 5 $1,243 $248,600