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German-American State Bank

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German-American State Bank Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, German-American State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

German-American State Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not German-American State Bank, and you can see how they compare in the German-American State Bank rate tables below. MonitorBankRates evaluates the financial stability of German-American State Bank with a 3.4 Star Rating, an D Overall Health Grade, and a Texas Ratio of 33.77%. Database rates last updated and verified on 08/30/2026.

German-American State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at German-American State Bank? Share your experience about German-American State Bank by leaving a review below, or read customer reviews before you decide to use German-American State Bank.

Overall Health & Safety Grade

Weak Health Score: 67/100

MonitorBankRates Rating

3.4

Good Out of 5.0 Stars

Texas Ratio

33.77%

Fair Higher than avg

German-American State Bank

809 Cannel Puri Ct
Winnebago, IL 61088

https://www.germanamericanstatebank.com

Current Rate Availability

We're not currently displaying rates for German-American State Bank, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for German-American State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather German-American State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with German-American State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name German-American State Bank

Bank Holding Company FORESIGHT FINANCIAL GROUP INC

Address 809 Cannel Puri Ct, Winnebago, IL 61088 · Winnebago

Website https://www.germanamericanstatebank.com

FDIC Certificate # 5749

Established 01/06/1907

FDIC Insurance Date 01/01/1934

Domestic Offices 14

Total Branches 14

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 67/100

3.4

Good Out of 5.0 Stars

33.77%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3332%

Return on Equity (ROE) 4.3100%

Non-Performing Loans (NPL) 0.49%

Total Assets $1,662,075,000

Total Deposits $1,430,500,000

Equity Capital $165,241,000

Net Income $12,609,000

Headquarters Winnebago

Total Branches and Offices 14

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About German-American State Bank

How many branches does German-American State Bank operate?

German-American State Bank currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, German-American State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, German-American State Bank provides members with tools to manage their accounts and build a solid financial history.

Does German-American State Bank offer online and mobile banking?

Most modern institutions like German-American State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.germanamericanstatebank.com.