C
The First National Bank of Germantown
Rating Date
October 2025
Risk Based
Capital Ratio
17.50
Leverage
Ratio
8.70
Return On
Assets
0.49%
Total
Assets
89.86M
Capital
7.08M
Total
Deposits
79.51M
Net
Income
224.00K
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Weiss Ratings The First National Bank of Germantown
Germantown, OH 		Click to
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Rating C
Asset Quality Index 7.20
Capitalization Index 6.70
Liquidity Index 3.50
Profitability Index 3.00
Stability Index 4.20
Company Info The First National Bank of Germantown
Germantown, OH 		Click to
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FDIC Number 6592
Phone Number (937) 855-4151
Website fnbgermantown.com
Asset Quality The First National Bank of Germantown
Germantown, OH 		Click to
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1-Year Asset Growth -0.10%
5-Year Asset Growth 8.35%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.39%
Non-Performing Loans to Capital 4.33%
Non-Performing Loans to Loans 0.63%
Balance Sheet The First National Bank of Germantown
Germantown, OH 		Click to
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Total Assets 89.86M
Total Deposits 79.51M
Capital and Reserves The First National Bank of Germantown
Germantown, OH 		Click to
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Capital 7.08M
Leverage Ratio 8.70
Loan Loss Reserves to Loans 0.82%
Risk-Based Capital Ratio 17.50
Liquidity The First National Bank of Germantown
Germantown, OH 		Click to
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Hot Money Ratio 9.16%
Liquidity Ratio 32.73%
Profitability The First National Bank of Germantown
Germantown, OH 		Click to
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5-Year Return on Average Assets 0.64%
Net Income 224.00K
Net Interest Spread 2.79%
Operating Profit to Average Assets 0.62%
Overhead Efficiency Ratio 80.05%
Return on Assets 0.49%
Return on Equity 6.62%