Overview / Commentary
17 North Main Street
Germantown, OH 45327

The First National Bank of Germantown is headquartered in Germantown and is the 159th largest bank in the state of Ohio. It is also the 4,783rd largest bank in the nation. It was established in 1863 and as of December of 2018, it had grown to 15 employees at 1 location. The First National Bank of Germantown's CD rates are 3X the national average, and it has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank of Germantown has a relatively low asset base.

Health Grade Components

FDIC Certificate #6592
Year Established1863
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD5.75%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$59.3MM$59.8MM
LoansQ4 2018vs Q4 2017$39.2MM$37.4MM
DepositsQ4 2018vs Q4 2017$52.6MM$52.7MM
Equity CapitalQ4 2018vs Q4 2017$5.0MM$4.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$393.00K$379.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$263.00K$436.00K
Real Estate OwnedQ4 2018vs Q4 2017$282.00K$161.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First National Bank of Germantown Savings Account Rates

0.65%--Vacation Club
0.25%$10-Christmas Club
0.20%*$10k*-Easy Street Savings
OTHER TIERS: 0.10% $10 - $2.5k | 0.15% $2.5k - $10k
0.20%*$10k*-Children's Easy Street Savings
OTHER TIERS: 0.10% $10 - $2.5k | 0.15% $2.5k - $10k

The First National Bank of Germantown Money Market Rates

0.15%*$25k*-Market Street Money Market
OTHER TIERS: 0.05% $2.5k - $10k | 0.10% $10k - $25k

The First National Bank of Germantown CD Rates

2.53%$500-120 Month CD
2.28%$500-6 Month CD
2.28%$500-9 Month CD
2.28%$500-18 Month CD
2.28%$500-12 Month CD
2.07%$500-17 Month CD Special (New Money)
2.02%$500-84 Month CD
1.66%$500-60 Month CD
1.56%$500-48 Month CD
1.31%$500-36 Month CD
1.26%$500-24 Month CD
1.26%$500-30 Month CD

The First National Bank of Germantown Locations
The First National Bank Of Germantown17 North Main StreetGermantown, OH 45327

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