C
The First National Bank of Germantown
Rating Date
March 2026
Risk Based
Capital Ratio
18.55
Leverage
Ratio
8.49
Return On
Assets
0.50%
Total
Assets
93.68M
Capital
7.53M
Total
Deposits
82.89M
Net
Income
462.00K
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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 8.20
Capitalization Index 6.50
Liquidity Index 3.80
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 0.03%
5-Year Asset Growth 4.57%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 1.96%
Non-Performing Loans to Loans 0.30%
Balance Sheet The First National Bank of Germantown
Germantown, OH 		Click to
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Total Assets 93.68M
Total Deposits 82.89M
Capital and Reserves The First National Bank of Germantown
Germantown, OH 		Click to
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Capital 7.53M
Leverage Ratio 8.49
Loan Loss Reserves to Loans 0.80%
Risk-Based Capital Ratio 18.55
Liquidity The First National Bank of Germantown
Germantown, OH 		Click to
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Hot Money Ratio 8.56%
Liquidity Ratio 36.09%
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 462.00K
Net Interest Spread 2.89%
Operating Profit to Average Assets 0.64%
Overhead Efficiency Ratio 80.73%
Return on Assets 0.50%
Return on Equity 6.57%