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
Unfavorable gap of $2.2M · efficiency ratio beats 26% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.57% | 0.60% | 1.01% | 1.45% | Beats 23% | 483 / 629 | |
| Return on Equity | 7.27% | 5.38% | 9.30% | 13.28% | Beats 34% | 414 / 629 | |
| Net Interest Margin | 2.98% | 3.03% | 3.54% | 4.05% | Beats 24% | 479 / 629 | |
| Efficiency Ratio | 78.36% | 58.35% | 67.79% | 79.08% | Beats 26% | 464 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.09% | 0.46% | 1.20% | Beats 49% | 296 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 17.05% | 11.24% | 13.84% | 18.77% | Beats 70% | 189 / 629 | |
| Total Risk-Based Capital Ratio | 18.01% | 11.58% | 14.43% | 19.66% | Beats 70% | 186 / 629 | |
| Equity / Assets | 7.89% | 9.09% | 10.65% | 13.80% | Beats 11% | 559 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 68.97% | 67.24% | 80.90% | 93.48% | 29th pctl | 424 / 594 | |
| Loans / Assets | 61.22% | 53.31% | 67.71% | 78.15% | 37th pctl | 396 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |