C
The First National Bank of Germantown
Rating Date
October 2025
Risk Based
Capital Ratio
18.57
Leverage
Ratio
8.69
Return On
Assets
0.53%
Total
Assets
93.02M
Capital
7.31M
Total
Deposits
82.41M
Net
Income
362.00K
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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 7.60
Capitalization Index 6.70
Liquidity Index 3.80
Profitability Index 3.10
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 5.10%
5-Year Asset Growth 8.35%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.29%
Non-Performing Loans to Capital 3.24%
Non-Performing Loans to Loans 0.49%
Balance Sheet The First National Bank of Germantown
Germantown, OH 		Click to
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Total Assets 93.02M
Total Deposits 82.41M
Capital and Reserves The First National Bank of Germantown
Germantown, OH 		Click to
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Capital 7.31M
Leverage Ratio 8.69
Loan Loss Reserves to Loans 0.82%
Risk-Based Capital Ratio 18.57
Liquidity The First National Bank of Germantown
Germantown, OH 		Click to
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Hot Money Ratio 9.11%
Liquidity Ratio 37.16%
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 362.00K
Net Interest Spread 2.86%
Operating Profit to Average Assets 0.67%
Overhead Efficiency Ratio 79.71%
Return on Assets 0.53%
Return on Equity 6.99%