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First National Bank of Germantown, The

Germantown, OH · Cert 6592 · Main Street Capital Co.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Germantown, The

Germantown, OH · Cert 6592 · Main Street Capital Co.

National charter · OCC · 1 branch

Q2 2026

$96.2MAssets
$58.9MLoans
$85.4MDeposits
$7.6MEquity
Loan mix
85%RE $48.8M9%C&I $5.2M6%Consumer $3.7MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $70.0M18%Noninterest $15.3MQ3 2024Q2 2026

Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.5% share · #17 of 26 inst. · $0.1B of $16.3B

Executive Summary

  • Earnings: ROA of 0.58%, up 9 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.47% of loans (-16 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.49%, down 21 bps from a year ago.
  • Funding: loans stand at 68.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.58%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+19 bps YoY

Efficiency Ratio (YTD, annualized)

78.36%-170 bps YoY

Tier 1 Leverage Ratio

8.49%-21 bps YoY

NIM

4.22%Q2 ’244.34%Q2 ’254.44%Q2 ’26+6%+7%

Non-interest income vs. expense

2.52%Q2 ’242.63%Q2 ’252.69%Q2 ’26+6%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.46%0.44%0.49%0.52%0.50%0.44%0.58%+9 bps
Return on Equity6.03%6.75%6.21%6.61%6.98%6.57%5.58%7.36%+75 bps
Net Interest Margin2.64%2.56%2.66%2.79%2.80%2.75%2.93%2.98%+19 bps
Efficiency Ratio83.17%83.80%81.69%80.05%79.71%80.73%82.70%78.36%-170 bps
Non-Interest Burden2.11%2.06%2.10%2.14%2.14%2.13%2.35%2.24%+11 bps
Growth
Asset Growth (YoY)7.31%1.68%-1.34%-0.10%5.10%0.03%3.00%7.03%+713 bps
Loan Growth (YoY)4.28%4.99%2.35%2.38%-3.24%-1.58%3.09%4.11%+173 bps
Deposit Growth (YoY)6.58%1.17%-2.19%-1.19%4.89%-1.05%2.57%7.37%+856 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.27%0.25%0.63%0.49%0.30%0.22%0.47%-16 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans0.94%0.79%0.81%0.82%0.82%0.80%0.79%0.78%-3 bps
Allowance Coverage of NPLs3.0x2.9x3.2x1.3x1.6x2.7x3.6x1.7x+0.4x
Capital
Tier 1 Leverage Ratio8.47%8.32%8.28%8.70%8.69%8.49%8.49%8.49%-21 bps
Total Risk-Based Capital17.50%17.33%18.43%17.50%18.57%18.55%18.13%18.01%+51 bps
Equity / Assets7.49%6.98%7.35%7.87%7.86%8.04%7.82%7.89%+2 bps
Liquidity & Funding
Loans / Deposits72.05%68.23%68.90%71.13%66.47%67.86%69.24%68.97%-216 bps
Liquid Assets / Assets7.09%8.34%1.62%2.48%2.54%5.41%4.82%4.12%+164 bps
CRE / Total Capitaln/an/an/an/a78.57%71.23%82.56%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Germantown, The

Germantown, OH · Cert 6592 · Peer group: banks under $1B in assets (n=581-629) · Main Street Capital Co.

National charter · OCC · 1 branch

Q2 2026

$96.2MAssets
$58.9MLoans
$85.4MDeposits
$7.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets (rank 559 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.57%

Rank 483 of 629

Net Interest Margin

2.98%

Rank 479 of 629

Efficiency Ratio

78.36%

Rank 464 of 629

Equity / Assets

7.89%

Rank 559 of 629

Non-interest income vs. expense

$0.4M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 26% of banks under $1B in assets
Bank 78.36%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.57%0.60%1.01%1.45%Beats 23%483 / 629
Return on Equity7.27%5.38%9.30%13.28%Beats 34%414 / 629
Net Interest Margin2.98%3.03%3.54%4.05%Beats 24%479 / 629
Efficiency Ratio78.36%58.35%67.79%79.08%Beats 26%464 / 629
Asset Quality
Nonperforming Loans / Loans0.47%0.09%0.46%1.20%Beats 49%296 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio17.05%11.24%13.84%18.77%Beats 70%189 / 629
Total Risk-Based Capital Ratio18.01%11.58%14.43%19.66%Beats 70%186 / 629
Equity / Assets7.89%9.09%10.65%13.80%Beats 11%559 / 629
Liquidity & Funding
Loans / Deposits68.97%67.24%80.90%93.48%29th pctl424 / 594
Loans / Assets61.22%53.31%67.71%78.15%37th pctl396 / 629
Brokered Deposits / Depositsn/aNot reported for this institution