The First National Bank of Germantown is a national bank headquartered in Germantown, Ohio, in business for about 163 years. At the end of Q2 2026 it reported $96.2M in total assets and $85.4M in deposits, with 1 office.
Based on its Q2 2026 filing, The First National Bank of Germantown scores 63/100, which we describe as moderate. That is higher than only 22% of 546 banks with under $100 million in assets. Among 157 banks headquartered in Ohio, it ranks 119th. Its strongest component is problem-loan coverage (93/100; 3.4%), and its lowest is capital cushion (35/100; 8.49%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (61 → 63), mostly because the loan quality component improved by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 63 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 65 |
| Q2 2026 | 63 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.30% |
| Q3 2024 | 8.47% |
| Q4 2024 | 8.32% |
| Q1 2025 | 8.28% |
| Q2 2025 | 8.70% |
| Q3 2025 | 8.69% |
| Q4 2025 | 8.49% |
| Q1 2026 | 8.49% |
| Q2 2026 | 8.49% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.63% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.30% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.47% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.41% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $96.2M | 8.49% | 0.47% | 0.58% | 68.4% |
| Q1 2026 | 65 | $94.3M | 8.49% | 0.22% | 0.44% | 68.7% |
| Q4 2025 | 64 | $93.7M | 8.49% | 0.30% | 0.50% | 67.3% |
| Q3 2025 | 63 | $93.0M | 8.69% | 0.49% | 0.52% | 65.9% |
| Q2 2025 | 61 | $89.9M | 8.70% | 0.63% | 0.49% | 70.5% |
| Q1 2025 | 63 | $91.6M | 8.28% | 0.25% | 0.44% | 68.3% |
| Q4 2024 | 63 | $93.7M | 8.32% | 0.27% | 0.46% | 67.7% |
| Q3 2024 | 63 | $88.5M | 8.47% | 0.31% | 0.41% | 71.4% |
| Q2 2024 | 65 | $89.9M | 8.30% | 0.08% | 0.47% | 68.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First Central National Bank of St. ParisBank St. Paris, OH | 87 out of 100, Very strong | $97.0M | 18.9% | 0.02% | vs |
| Home National BankBank Racine, OH | 52 out of 100, Below average | $95.0M | 10.5% | 2.43% | vs |
| Bank419Bank Metamora, OH | 55 out of 100, Moderate | $98.3M | 9.3% | 1.42% | vs |
| The Ottoville Bank CompanyBank Ottoville, OH | 95 out of 100, Very strong | $93.8M | 21.4% | 0.00% | vs |
| Peoples First Savings BankBank Mason, OH | 42 out of 100, Below average | $99.9M | 10.0% | 2.34% | vs |
| The Covington Savings and Loan AssociationBank Covington, OH | 91 out of 100, Very strong | $84.0M | 18.6% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank of Germantown?
Yes. The First National Bank of Germantown is an FDIC-insured institution (FDIC certificate #6592). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.5% of deposits ($15.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.01% (benchmark: 10%).
1 location
Branches
The First National Bank of Germantown lists 1 office in 1 city. Most locations:
- Germantown, OH (1)
Identity & history
Profile
- Legal name
- The First National Bank of Germantown
- Type
- National bank
- FDIC certificate #
- 6592
- RSSD ID
- 505916
- Primary regulator
- OCC
- Holding company
- Main Street Capital Co
- Established
- September 19, 1863
- Headquarters
- 17 N Main St, Germantown, OH 45327
- Website
- www.fnbgermantown.com
- Employees
- 14
Quick answers
The First National Bank of Germantown: common questions
Is The First National Bank of Germantown FDIC insured?
Yes. The First National Bank of Germantown is an FDIC-insured institution (FDIC certificate #6592). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Germantown's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of Germantown ever failed?
There is no failure record for FDIC certificate #6592 in the FDIC failed bank list.
How many branches does The First National Bank of Germantown have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Germantown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Trust Federal Credit UnionCredit union Mason, OH | 87 out of 100, Very strong | $23.4M | 19.1% | 0.05% | vs |
| The Harrison Building and Loan AssociationBank Harrison, OH | 86 out of 100, Very strong | $268.0M | 17.6% | 0.39% | vs |
| Middletown Area Schools Credit UnionCredit union Middletown, OH | 84 out of 100, Strong | $11.3M | 15.2% | 1.09% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
| Miami Savings BankBank Miamitown, OH | 83 out of 100, Strong | $148.3M | 23.2% | 0.43% | vs |