The First National Bank of Germantown: Financial Reports & UBPR Data
BankRegReports is independent of The First National Bank of Germantown and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Germantown operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $96 million at June 30, 2026, up 7.0% from a year earlier; it is based in Germantown, Ohio. It funds 8.49% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). It also holds commercial real estate loans worth 1.1 times its capital, 4.0 times the median of 26% for banks its size.
Earnings jumped: net income for the quarter was $172,000, 42% above the same quarter a year earlier. Over the same year, loans grew 4.1% and deposits grew 7.4%. Its margin is thin by comparison: it keeps 3.19 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.88 cents).
As of June 30, 2026, The First National Bank of Germantown reported a CET1 capital ratio of 17.05%, a return on assets of 0.71%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 3.44%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 17 N Main St, Germantown, OH 45327
- County
- Montgomery
- Metro Area
- Dayton-Kettering-Beavercreek, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 19, 1863
- Offices
- 1 domestic
- Employees (FTE)
- 14
- Domestic deposits
- $85.4M
- Allowance for credit losses
- $462K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $96.4M
- Average total loans
- $58.2M
- Average interest-bearing deposits
- $70.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6592
- Fed RSSD
- 505916
- SEC CIK
- 1396440 → filed by MAIN STREET CAPITAL COMPANY
- Website
- www.fnbgermantown.com →
- Parent Holding Company
- MAIN STREET CAPITAL COMPANY (RSSD 5896477) · MAIN
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The First National Bank of Germantown terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The First National Bank of Germantown, freeThe First National Bank of Germantown rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.05% | 0.71% | 0.47% | 3.44% | 3.19% |
| Q1 2026 | 17.15% | 0.44% | 0.22% | 1.61% | 3.10% |
| Q4 2025 | 17.56% | 0.42% | 0.30% | 2.08% | 2.99% |
| Q3 2025 | 17.58% | 0.61% | 0.49% | 3.49% | 3.01% |
| Q2 2025 | 16.52% | 0.54% | 0.63% | 4.74% | 2.88% |
| Q1 2025 | 17.40% | 0.44% | 0.25% | 1.99% | 2.70% |
| Q4 2024 | 16.36% | 0.62% | 0.27% | 2.25% | 2.61% |
| Q3 2024 | 16.35% | 0.29% | 0.31% | 2.47% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Germantown | Germantown , OH | 45327 | $85.4M |
Regulatory record
What the public regulatory sources show for The First National Bank of Germantown, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC); 4 against individuals associated with it
- March 22, 2011, OCC: Formal Agreement: The First National Bank of Germantown
- May 23, 2002, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The First National Bank of Germantown
- November 20, 2001, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The First National Bank Of Germantown
- Period: Most recent institution action March 22, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 149 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $445K approved, $148K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The First National Bank of Germantown’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The First National Bank of Germantown with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about The First National Bank of Germantown
What are The First National Bank of Germantown's total assets?
As of the Q2 2026 filing, The First National Bank of Germantown reported total assets of $96.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First National Bank of Germantown headquartered?
The First National Bank of Germantown is headquartered in Germantown, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The First National Bank of Germantown founded?
The First National Bank of Germantown was established in 1863, per the FDIC institution directory.
Is The First National Bank of Germantown FDIC-insured?
Yes. The First National Bank of Germantown is an FDIC-insured commercial bank (FDIC Certificate #6592). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Germantown?
The First National Bank of Germantown's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The First National Bank of Germantown's CET1 capital ratio?
The First National Bank of Germantown reported a Common Equity Tier 1 (CET1) capital ratio of 17.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Germantown operate?
The First National Bank of Germantown operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Germantown's Texas Ratio?
The First National Bank of Germantown's Texas Ratio is 3.44% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on The First National Bank of Germantown.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The First National Bank of Germantown, freeFree account