Side-by-side · Q2 2026 data
The First National Bank of Germantown vs The First Central National Bank of St. Paris
Bank
The First Central National Bank of St. Paris
St. Paris, Ohio · Under $100 million in assets
Metric by metric
| Measure | The First National Bank of Germantown | The First Central National Bank of St. Paris |
|---|---|---|
| TellerScore | 63 | 87 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 84 | 99 (stronger) |
| Earnings | 43 | 50 (stronger) |
| Funding & liquidity | 89 (stronger) | 84 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 22nd | 84th |
| Total assets | $96.2M | $97.0M |
| Deposits / shares | $85.4M | $76.8M |
| Capital ratio | 8.49% | 18.89% (stronger) |
| Problem loans | 0.47% | 0.02% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.58% | 0.75% (stronger) |
| Loans ÷ deposits | 68.4% (stronger) | 76.2% |
| Uninsured deposits | 17.5% | 10.6% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First Central National Bank of St. Paris has the higher TellerScore (87 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Germantown leads on 2 and The First Central National Bank of St. Paris on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.