Bank health / #6592
The First National Bank of Germantown
Germantown, Ohio · National commercial bank (OCC) · www.fnbgermantown.com
Not a CAMELS rating. The FinObservatory Composite is a transparent proxy computed only from public FDIC call-report data. It is not the confidential examiner-assigned CAMELS rating, and it is not investment or deposit advice: a high score is not a solvency guarantee, a low score is not a failure prediction. In the 2023 failures, public ratios rated Silicon Valley Bank above average the quarter before it failed, because the cause (unrealized long-duration securities losses against a concentrated deposit base) is invisible in these fields. Full methodology and caveats.
Source: FDIC BankFind Suite (institutions, financials) Methodology
Composite and ratio trends
Quarterly, 1992Q1–2026Q1. The raw call-report ratios run back to 1992Q1 where FDIC reports them (the 1992–2014 history and the 2015–present panel join at a continuous, non-overlapping seam). The FinObservatory Composite begins 2015Q1 only: its peer-percentile scoring is built on the 2015+ panel, and pre-2015 quarters are shown as a gap rather than back-filled with an incomparable score. A field FDIC does not report for a given quarter is a gap, not a zero. Each panel has its own scale. Hover to read any quarter.
Source: FDIC BankFind Suite (institutions, financials) Noncurrent loans = loans 90+ days past due or nonaccrual, as a share of gross loans; loans-to-deposits is net loans over deposits. Methodology
Peer context (UBPR-style)
2026Q1. Peers are the 591 banks reporting this quarter with Under $100M in total assets, the same asset tier the Composite ranks within (the five tiers: Under $100M, $100M - $1B, $1B - $10B, $10B - $250B, $250B and up). Percentile ranks the bank's raw ratio among the n peers reporting it, ascending, with average rank for ties (the Composite builder's tie convention), so a high noncurrent-loans percentile means more noncurrent loans than peers. Unlike the Composite, nothing is inverted here.
| Ratio | Bank | Peer median | Percentile | n |
|---|---|---|---|---|
| Tier-1 leverage ratio | 8.49% | 13.02% | 7 | 591 |
| Noncurrent loans / gross loans | 0.22% | 0.24% | 48 | 591 |
| Loan-loss reserve / gross loans | 0.79% | 1.18% | 24 | 591 |
| Return on assets | 0.44% | 0.97% | 27 | 591 |
| Net interest margin | 3.05% | 3.78% | 19 | 591 |
| Interest expense / earning assets | 1.50% | 1.34% | 60 | 591 |
| Brokered deposits / total deposits | 0.00% | 0.00% | 41 | 550 |
Source: FDIC BankFind Suite (institutions, financials) | FFIEC UBPR User's Guide The bank / peer median / percentile grammar mirrors the FFIEC Uniform Bank Performance Report presentation, applied to public FDIC data; this is not the UBPR itself, and the asset tiers are FinObservatory peer groups, not FFIEC's. Methodology
Enforcement actions matched to this bank
3 public federal supervisory actions matched to FDIC cert #6592 by an exact bank-name-and-state key unique in the FDIC registry. These are public supervisory records, not verdicts of misconduct, and the match is name-based, not a legal identification. Actions against individuals are excluded. Actions taken by the FDIC itself are not covered. The termination column reports the termination date the source register publishes; "None on file" means that register carries no such date, which is not the same as the action being confirmed in force.
| Effective | Regulator | Action | Amount | Termination |
|---|---|---|---|---|
| 2011-03-22 | OCC | Formal Agreement | n/a | 2013-01-29 |
| 2002-05-23 | OCC | Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D) | n/a | 2004-11-29 |
| 2001-11-20 | OCC | Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D) | n/a | 2002-05-23 |
Source: Federal Reserve enforcement actions (CSV) | OCC Enforcement Action Search Institution-level federal actions only, matched by a conservative name-and-state key; see the enforcement module for the full register, method, and match rate. Methodology
This scorecard is a public-data proxy, not a CAMELS rating and not investment or deposit advice. See the methodology and caveats.