The First National Bank of Germantown: how it compares with its peers
Against 49 OH banks with half to twice its assets, The First National Bank of Germantown's strongest measure in Q2 2026 is assets per employee ($6.9M vs. a $5.6M peer median). Its weakest relative measure is net interest margin (3.15% vs. 3.70%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.58% | 0.78% | Middle third Ahead of 39% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.15% | 3.70% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.36% | 77.33% | Middle third Ahead of 49% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $5.6M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.43% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 78.36% is above the 77.33% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First Central National Bank of St. Paris St. Paris, OH · $97M
- Home National Bank Racine, OH · $95M
- Bank419 Metamora, OH · $98M
- The Ottoville Bank Company Ottoville, OH · $94M
- Peoples First Savings Bank Mason, OH · $100M
- The Citizens National Bank of McConnelsville Mcconnelsville, OH · $102M
Questions about The First National Bank of Germantown
How big is The First National Bank of Germantown?
The First National Bank of Germantown, established in 1863, is headquartered in Germantown, OH. It reported $96M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of Germantown's return on assets?
0.58% annualized in Q2 2026, against a 0.78% median for 49 OH banks with half to twice its assets, ahead of 39% of them.
What is The First National Bank of Germantown's efficiency ratio?
78.36% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 77.33%, and lower is better.
Is The First National Bank of Germantown growing its loans?
Net loans grew 4.1% over the year to Q2 2026, while deposits grew 7.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.