Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$519M
Total Deposits
$427M
Net Loans
$283M
Net Income
$3M
ROA
2.19%
Above avg for Small banks. Peer avg: 0.44%
ROE
24.06%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 60 | 98.33% | 1.67% |
| 2023 | 77 | 89.61% | 1.30% |
| 2022 | 133 | 88.72% | 3.76% |
| 2021 | 203 | 86.7% | 3.94% |
| 2020 | 217 | 94.01% | 1.84% |
| 2019 | 106 | 93.4% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Nov 2023 | Satisfactory | Intermediate Small Bank |
| Aug 2020 | Satisfactory | Large Bank |
| Jun 2017 | Satisfactory | Large Bank |
8 previous ratings locked — back to 1992
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
4
Branch Deposits
$415M
1-Year Change
0
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/germantown-trust-and-savings-bank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 2018 | 128 | 82.81% | 2.34% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red