The First National Bank of Germantown
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (3.0) profitability.
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (7.2). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 8.7.
Asset Mix:
Home mtgs (40%), securities (28%), comm re (6%), comm loans (5%), consumer loans (4%), cash (4%), home eq lns (3%), other (10%)
States with Branches:
OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Main Street Capital Company
Investment Rating
--
Address
17 North Main Street
Germantown, OH 45327
Germantown, OH 45327
Phone Number
(937) 855-4151
Year Founded
1863
FDIC Number
Website
Largest Affiliates
No affiliate information available.