The First National Bank of Germantown: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Germantown of Germantown, OH against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.71% | 3.14% | -2.43% | 34th below |
| ROAE Behind the peer average, ahead of the median peer. | 9.20% | 10.30% | -1.10% | 54th above |
| Net Interest Margin | 3.19% | 3.94% | -0.75% | 20th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 74.36% | 76.32% | -1.96% | 42nd below |
| PPNR / Avg Assets | 0.92% | 1.40% | -0.48% | 35th below |
| Yield on Earning Assets | 4.73% | 5.36% | -0.63% | 30th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.68% | 1.70% | -0.02% | 44th below |
| Net Interest Spread | 2.74% | 3.32% | -0.58% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 1.34% | -1.14% | 53rd above |
| NPA / Total Assets | 0.12% | 0.71% | -0.59% | 51st above |
| NCO / Avg Loans | -0.01% | 0.10% | -0.11% | 79th top |
| ACL / Total Loans | 0.78% | 1.49% | -0.71% | 14th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 385.00% | 867.06% | -482.06% | 73rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.44% | 8.27% | -4.83% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.05% | 62.42% | -45.37% | 33rd below |
| Tier 1 Ratio | 17.05% | 62.43% | -45.38% | 32nd below |
| Total Capital Ratio | 18.01% | 63.40% | -45.39% | 32nd below |
| Leverage Ratio | 8.49% | 17.67% | -9.18% | 7th bottom |
| Equity / Assets | 7.89% | 16.47% | -8.58% | 9th bottom |
| TCE / Tangible Assets | 7.89% | 16.21% | -8.32% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 68.97% | 72.85% | -3.88% | 46th below |
| Core Deposit Ratio | 97.84% | 88.25% | +9.59% | 87th top |
| Wholesale Funding Ratio | 3.12% | 5.19% | -2.07% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.03% | 4.25% | +2.78% | 74th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.11% | 6.76% | -2.65% | 56th above |
| Deposit Growth (Y/Y) | 7.37% | 3.71% | +3.66% | 75th top |
See The First National Bank of Germantown's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Germantown, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Germantown profile, how to read a UBPR, or how this data updates.