The First National Bank of Germantown
Also written as FNB of Germantown
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Germantown is an FDIC-insured commercial bank headquartered in Germantown, OH, established in 1863 (FDIC certificate 6592), and it is supervised by the OCC. At Q2 2026 it reported total assets of $96.2M, up 7.0% from Q2 2025, the 134th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 17.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6592
- Headquarters
- Germantown, OH
- Established
- 1863
- Total assets, Q2 2026
- $96.2M
- Assets vs Q2 2025
- +7.0%
- CET1 ratio, Q2 2026
- 17.05%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 042206503
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Germantown Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- MAIN STREET CAPITAL COMPANY
- Asset rank in state
- 134th of 154 in Ohio
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 533 banks with less than $100 million in assets (median 12.81%). It also holds commercial real estate loans worth 1.1 times its capital, 3.5 times the median of 30% 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 3.91 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%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The First National Bank of Germantown is the 134th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.9% to $96.2M, loans rose 1.5% and deposits rose 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 68.9% of total loans, followed by commercial and industrial loans at 8.8%. The FDIC Summary of Deposits lists a single office for it, in Germantown, OH. On its Q2 2026 call report, The First National Bank of Germantown meets every capital ratio test for well capitalized.
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
- Domestic offices
- 1 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The First National Bank of Germantown's total assets moved between a low of $82.5M (Q3 2023) and a high of $96.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$96.2M total assets against $89.9M; $88.6M total liabilities against $82.8M.
$58.4M net loans and leases against $56.1M; $85.4M total deposits against $79.5M.
$27.3M securities against $24.9M; $8.8M cash and balances due against $7.2M.
$1.1M total interest income against $970K; $360K total interest expense against $337K.
$747K net interest income against $633K.
$115K total noninterest income against $126K; $641K total noninterest expense against $596K.
$4K provision for credit losses against $9K.
$172K net income against $121K.
0.71% return on assets against 0.54%; 3.19% net interest margin against 2.88%.
17.05% CET1 capital ratio against 16.52%; 8.49% tier 1 leverage ratio against 8.70%.
Inside the full The First National Bank of Germantown terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.29% (Q3 2024) to 0.71% (Q2 2026) and its net interest margin ran from 2.61% (Q4 2024) to 3.19% (Q2 2026).
| 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% |
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Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Germantown | Germantown , OH | 45327 | $85.4M |
Regulatory record
Facts as filed or published, not a rating.
- 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 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The First National Bank of Germantown headquartered?
It is headquartered in Germantown, OH, United States.
When was The First National Bank of Germantown founded?
It was established in 1863, per the FDIC institution directory.
Is The First National Bank of Germantown FDIC-insured?
Yes. It 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.
What is The First National Bank of Germantown's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 3.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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