The First National Bank of Germantown

17 North Main Street
Germantown, OH 45327

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6592
Date Established 1863
Assets $0.06 billion
Loans $0.04 billion
Deposits $0.05 billion
Capital $0.01 billion

The First National Bank of Germantown is an FDIC insured institution located in Germantown, OH. It was founded in 1863 and has approximately $0.06 billion in assets.

For a more detailed analysis of The First National Bank of Germantown's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in The First National Bank of Germantown’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, The First National Bank of Germantown’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.58
Multifamily
Mortgages
2.71
Credit Card Loans 0.66
Consumer Auto Loans 4.66
Small Business Loans 17.41
Construction and Development Loans 0.36
Commercial Real Estate 17.82
Commercial and Industrial Loans 11.77
Farm Loans 1.41

Deposit Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.50% $2,500 $9,999 Learn MoreShow Less
Money Market
0.50% $10,000 $24,999 Learn MoreShow Less
Money Market
0.75% $25,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.50% $1,000 - Learn MoreShow Less
6 Mo CD
2.28% $500 - Learn MoreShow Less
12 Mo CD
2.28% $500 - Learn MoreShow Less
18 Mo CD
2.28% $500 - Learn MoreShow Less
24 Mo CD
1.26% $500 - Learn MoreShow Less
30 Mo CD
1.26% $500 - Learn MoreShow Less
36 Mo CD
1.31% $500 - Learn MoreShow Less
48 Mo CD
1.56% $500 - Learn MoreShow Less
60 Mo CD
1.66% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
2.28% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,000 - Learn MoreShow Less

Loan Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The First National Bank of Germantown

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to The First National Bank of Germantown
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

The First National Bank of Germantown branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The First National Bank of Germantown Locations


Financial Details

The First National Bank of Germantown Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The First National Bank of Germantown. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The First National Bank of Germantown U.S. Bank Average
10.09% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, The First National Bank of Germantown had $263,000 in non-current loans and $282,000 in owned real estate. To cover these potential losses it had $5,006,000 in equity and $393,000 in loans loss reserves. That gives it a Texas Ratio of 10.09%.

Return on Equity
The First National Bank of Germantown U.S. Bank Average
5.75% 8.80%

The First National Bank of Germantown has a Return on Equity of 5.75% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The First National Bank of Germantown U.S. Bank Average
8.44% 12.29%

The First National Bank of Germantown has a Capitalization of 8.44% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The First National Bank of Germantown Balance Sheet Analysis

As of December 31, 2018, The First National Bank of Germantown had assets of $59,339,000, loans of $39,211,000, and deposits of $52,565,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.05 billion
LIABILITIES
Total deposits $0.05 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 91.14%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About The First National Bank Of Germantown

Branches and Savings

Is The First National Bank Of Germantown FDIC insured?

Yes. It is covered under FDIC Certificate #6592.

Why does The First National Bank Of Germantown pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The First National Bank Of Germantown CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The First National Bank Of Germantown a commercial bank?

Yes

Where are The First National Bank Of Germantown locations?

See branch locations nearby.

Is The First National Bank Of Germantown open on Saturdays?

Is The First National Bank Of Germantown open on Sundays?

What time does The First National Bank Of Germantown open?

What time does The First National Bank Of Germantown close?

Are The First National Bank Of Germantown ATMs Open 24/7?

Do The First National Bank Of Germantown ATMs accept cash deposits?

Can The First National Bank Of Germantown customers use other ATMs?

Do The First National Bank Of Germantown branches have notaries?

Will The First National Bank Of Germantown notarize my document?

What address for The First National Bank Of Germantown should I put for incoming ACH transfers?

Will the The First National Bank Of Germantown branch print checks?

Do The First National Bank Of Germantown checks expire?

Does The First National Bank Of Germantown require US citizenship to open account?

Can The First National Bank Of Germantown close my account?

Does The First National Bank Of Germantown Report to credit bureaus?

Does The First National Bank Of Germantown Use Equifax?

What is The First National Bank Of Germantown's ACH Routing Number?

What is The First National Bank Of Germantown's SWIFT code?

Products

Does The First National Bank Of Germantown offer mortgages?

Compare mortgage rates here.

Does The First National Bank Of Germantown offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The First National Bank Of Germantown offer personal loans?

Compare personal loan rates here.

Does The First National Bank Of Germantown offer student loans?

Will The First National Bank Of Germantown cash a check?

Will The First National Bank Of Germantown redeem a savings bond?

Does The First National Bank Of Germantown cash savings bonds?

Will The First National Bank Of Germantown cash money orders?

Can The First National Bank Of Germantown issue a money order?

Does The First National Bank Of Germantown do currency exchange?

Background on The Bank

Who owns The First National Bank Of Germantown?

How long has The First National Bank Of Germantown been around?

Can The First National Bank Of Germantown transfer to other banks?

Does The First National Bank Of Germantown have quick pay?

Does The First National Bank Of Germantown accept rolled coins?

Will The First National Bank Of Germantown accept loose change?

Where is The First National Bank Of Germantown headquarters?

Customer Reviews for The First National Bank of Germantown

There are currently no comments for The First National Bank of Germantown. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →