Side-by-side · Q2 2026 data
The First National Bank of Germantown vs Republic Bank & Trust Company
Metric by metric
| Measure | The First National Bank of Germantown | Republic Bank & Trust Company |
|---|---|---|
| TellerScore | 63 | 84 (stronger) |
| Capital cushion | 35 | 98 (stronger) |
| Loan quality | 84 (stronger) | 81 |
| Earnings | 43 | 100 (stronger) |
| Funding & liquidity | 89 (stronger) | 31 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 22nd | 95th |
| Total assets | $96.2M | $7.1B |
| Deposits / shares | $85.4M | $5.6B |
| Capital ratio | 8.49% | 14.82% (stronger) |
| Problem loans | 0.47% (stronger) | 0.56% |
| Net charge-offs | -0.00% (stronger) | 0.46% |
| Return on assets | 0.58% | 2.13% (stronger) |
| Loans ÷ deposits | 68.4% (stronger) | 95.7% |
| Uninsured deposits | 17.5% (stronger) | 45.6% |
| Offices | 1 | 47 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.6% |
Republic Bank & Trust Company has the higher TellerScore (84 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Germantown leads on 4 and Republic Bank & Trust Company on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.