The First National Bank of Germantown
Germantown, OH
IDRSSD: 505916
Total Assets
$93.68M
Latest filing
Total Deposits
$82.89M
Latest filing
Net Interest Margin
3.06%
Profitability
Key People
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Locations
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Main Office
The First National Bank of Germantown
17 N Main St
Germantown, OH 45327
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/19/1863FDIC Certificate 4415
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The First National Bank of Germantown (Main) | 17 N Main St | Germantown, OH | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 09/19/1863 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45327 |
| State and County Number | 39113 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Dayton-Kettering, OH |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbgermantown.com |
| Data Updated | 01/30/2026 |
| CERT | 6592 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $93.68M |
| Total Deposits | $82.89M |
| Total Liabilities | $86.15M |
| Total Equity Capital | $7.53M |
| Net Income | $100.00k |
| Net Loans and Leases | $55.80M |
| Assets Per Employee ($Millions) | $6.25M |
| Bank Premises and Fixed Assets | $754.00k |
| Cash and Balances due from Depository Institutions | $7.38M |
| Deposits Held in Domestic Offices | $82.89M |
Key Performance Ratios
| Return on Assets (ROA) | 0.43% |
| Return on Equity (ROE) | 5.39% |
| Net Interest Margin | 3.06% |
| Efficiency Ratio | 83.56% |
| Tier 1 Risk-Based Capital Ratio | 17.565% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.036% |
| Earning Assets to total Assets | 95.89% |
Income and Expense
| Total Interest Income | $1.03M |
| Total Noninterest Income | $123.00k |
| Total Interest Expense | $349.00k |
| Total Noninterest Expense | $676.00k |
| Net Interest Income | $686.00k |
| Pre-tax Net Operating Income | $127.00k |
| Provision for Credit Losses | $6.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $3.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.75M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $263.00k |
| Total Liabilities and Capital | $93.68M |
Securities
| Securities | $27.21M |
| Available-for-sale debt securities | $27.21M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Germantown?
$93.68M as of the latest filing.
How much are The First National Bank of Germantown's total deposits?
$82.89M in total deposits.
Where is The First National Bank of Germantown located?
Germantown, OH.
What is the Net Interest Margin?
3.06%.
How many domestic offices does it operate?
1.
When was it established?
09/19/1863.
What is the Return on Assets (ROA)?
0.43%.
How much are total loans and leases?
$55.80M (latest filing).
What is the total interest income (latest filing)?
$1.03M.