BanksFIRST NATIONAL BANK OF GERMANTOWN, THE

FIRST NATIONAL BANK OF GERMANTOWN, THE

GERMANTOWN, OHMicroEst. Sept. 19, 1863, midnightFDIC #6592RSSD #505916OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF GERMANTOWN, THE is an FDIC-insured commercial bank headquartered in GERMANTOWN, OH, established in Sept. 19, 1863, midnight. As of 2025-12-31, the bank reported total assets of $94M and total deposits of $83M. Profitability stands at 0.43% ROA and 5.39% ROE, with a net interest margin of 3.20%. CET1 capital ratio: 17.56%, well above regulatory minimums. NPL ratio: 0.30% · Texas Ratio: 2.08%. Operates 1 domestic branch.

Assets
$94M
Deposits
$83M
Loans
$56M
Equity
$8M

Profitability

Return on Assets (ROA)0.43%
Return on Equity (ROE)5.39%
Net Interest Margin3.20%
Yield on Assets4.82%
Cost of Funds1.63%

Asset Quality

NPL Ratio0.30%
Net Charge-Off Ratio0.01%
Texas Ratio2.08%
NPA Ratio0.18%
ACL / Loans0.80%

Capital & Liquidity

CET1 Ratio17.56%
Tier 1 Capital17.56%
Total Capital Ratio18.55%
Leverage Ratio8.49%
Loan-to-Deposit67.86%

This is just the summary.

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