Is First Nb of Germantown Safe?
First Nb of Germantown has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (44/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.19% | 100/100 |
| Nonperforming Loan Ratio | 0.08% | 98/100 |
| Liquidity Ratio | 26.95% | 88/100 |
| Return on Assets | 0.59% | 44/100 |
| Total Assets | $0.1B | |
How does First Nb of Germantown compare?
With a Bank Health Score of 91/100, First Nb of Germantown sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Ohio, where 144 FDIC-insured banks are headquartered, First Nb of Germantown ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 16.19% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.08% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Nb of Germantown's Bank Health Score fell by 1.0 points to 91/100. Tier 1 capital strengthened by 0.14 percentage points to 16.19%. Quarter-over-quarter, the score rose by 1.0 points.
First Nb of Germantown has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (44/100).