🏦Bank Scorer

THE FIRST NATIONAL BANK OF GERMANTOWN

GERMANTOWN, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1863FDIC #6,592
Satisfactory Same

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.44%

Is this bank safe?

THE FIRST NATIONAL BANK OF GERMANTOWN holds a Satisfactory CRA rating (2023), and meets basic financial requirements (ROA +0.44%).

Institution Profile

FDIC BankFind

Address

17 N Main St, GERMANTOWN, OH

County

Montgomery County

Established

September 19, 1863

Total Assets

$94M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 9, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$94M

Total Deposits

$84M

Net Loans

$58M

Net Income

$104K

ROA

0.44%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.58%

Risk-Based Capital

18.13%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.44%Peer avg: 0.44%▲ Above avg
Risk-Based Capital18.13%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate13.73%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$80M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245172.55%13.73%
20233775.68%13.51%
20194271.43%11.90%
20184780.85%6.38%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jan 2023SatisfactorySmall Bank
Sep 2018SatisfactorySmall Bank
Sep 2012SatisfactorySmall Bank

3 previous ratings locked — back to 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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