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Germantown Trust & Savings Bank

Welcome to Germantown Trust & Savings Bank.  

For over 100 years, residents from our community have relied on the safety and soundness of Germantown Trust & Savings Bank for their financial needs.  For all those who bank with us, we appreciate your trust.  For those who are looking for a community bank, please allow us the opportunity to provide you the attention and banking service you deserve. 


Tips, Trends and Tidbits

Are you taking the proper steps to protect Personal & Financial Information stored on your Home PC?  

Computers can be enormous timesavers and powerful financial tools. Using budget tracking software, paying bills online and buying items more cheaply from wholesale or auction sites can make a lot of sense.  But before you load up your computer with sensitive information about yourself, you'll want to take the necessary steps to ensure your personal finances stay personal. Here's how to keep your computer on lockdown and off limits to identity thieves.  Click HERE to learn more.


Letter from the President

Now that we have settled into 2017, I would like to remind everyone that the beginning of each year is an excellent time to review your financial situation.  Do you have a safety net to fall back on in case of loss of income? Are you saving enough for retirement?  Are you taking advantage of all the options to ease your tax burden?  Financial planners suggest having six months income in a readily accessible account in case of job loss or illness.  There are numerous financial tools, including one on this website, that help determine what you need to be saving to maintain your current lifestyle once you retire.  While these savings goals may seem unattainable, putting away even a little each week can get you started on the path to reaching them.  An excellent tool for those who struggle with saving is an automatic transfer from your checking account to a savings account.  These can be set up in whatever amount and frequency you feel comfortable with.  Also, if you have direct deposit, most employers will allow a split deposit with the majority of your earnings deposited to your checking account and a smaller amount to your savings. 

Maybe your financial situation warrants a new home purchase, new home build, or a home remodel.  As winter slowly subsides and we approach spring and the warmer weather that it brings, we welcome the beginning of home construction season as well. Whether you are thinking of building a new home or just improving your current residence, we would appreciate the opportunity to assist with the financing.  Our loan officers have years of experience in the local market and are available to answer all your questions and provide the loan that best fits your current financial situation.  And all our loans are serviced in-house, so we will be here for you for the life of your loan.   

Sincerely,

Dale G Deiters
President/CEO

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