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The First National Bank Of Germantown
Germantown, OH · FDIC Certificate #6592 · Chartered 09/1
Total assets
$96.17M
Total deposits
$85.37M
Total equity
$7.59M
Net loans
$58.42M
Branches (offices)
1
Net income (YTD)
$276.00K
Rank: #3,706 of 4,213 U.S. banks by assets · #135 of 155 in Ohio. Assets changed 7.0% and deposits 7.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.58% |
| Return on equity | 7.36% |
| Net interest margin (YTD) | 3.15% |
| Equity to assets | 7.89% |
| Tier 1 leverage ratio | 8.49% |
| Uninsured deposits (share of deposits) | 17.5% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 68.4% |
| Real estate loans (share of loans) | 84.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $49.57M | 84.9% | |
| Commercial & industrial | $5.19M | 8.9% | |
| Consumer / individual | $3.74M | 6.4% | |
| Construction & development | $225.00K | 0.4% | |
| Agricultural | $510.00K | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $86.05M | $80.23M | $244.00K | $5.37M |
| Jun 2023 | $82.55M | $73.76M | $204.00K | $5.43M |
| Jun 2024 | $89.95M | $80.47M | $214.00K | $6.12M |
| Jun 2025 | $89.86M | $79.51M | $224.00K | $7.08M |
| Jun 2026 | $96.17M | $85.37M | $276.00K | $7.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $85.37M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $85.37M.
Similar-sized banks
First Farmers & Merchants State Bank ($96.41M) · The Citizens State Bank And Trust Company ($96.10M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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