Applications / Mortgage Analytics / Lenders / Illinois / Germantown Trust & Savings Bank
Breese, IL · State non-member bank · FDIC · $510 million assets · 61 loans in 2025
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61
loans originated, 2025
64
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Germantown Trust & Savings Bank, a small Illinois bank in the St. Louis market since at least 1990, lends mainly to home buyers, with loans smaller than its peers'.
Purchases made up 52.5% of its 61 loans in 2025, and refinances 21.3%. Every loan was conventional, as at most similar lenders (state non-member banks making between half and twice as many loans). Its typical loan, $135,000, was smaller than at about seven in ten of them, where it was $172,500.
It made 204 loans in 2020 and 176 in 2021. Since 2023 it has made between 59 and 69 a year. Those earlier totals may have been swollen by refinancing, which now makes up only 21.3% of its loans. Last year its lending grew 3%, against 8% at similar lenders and 10% for the whole market.
In the St. Louis market, where it has lent since at least 1990, it ranked 206 of 637 lenders, with 0.1% of lending, unchanged on the year. Guild Mortgage Company led that market. The bank merged with Bartelso Savings Bank in 2000, and it first lent in Raleigh-Cary in 2025. Its lending covers 9 counties in 2 states, with Illinois the main one.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Germantown Trust & Savings Bank took 64 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.5% · Refinance 21.3% · Other 16.4% · Home improvement 9.8%
Conventional 100.0% · of 61 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 60 | 98.4% |
| North Carolina | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 55 |
| Champaign-Urbana | 1 |
| Raleigh-Cary | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549005HG8EMM4748S60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 830748 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312113 | 1990–2017 |
Established 6 February 1906. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Germantown Trust & Savings Bank's data.
Germantown Trust & Savings Bank's data
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Germantown Trust & Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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