BlastPoint's Banking Scorecard
The First National Bank of Germantown
Designations: ✓ Community bank
Germantown, OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits +7.4% year over year ($85.4M on the books).
- Delinquency rate 0.47%.
- Return on assets 0.58%.
- Efficiency ratio 78.36% vs a 119.40% peer average.
- Loan-to-deposit ratio 68.43% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Germantown has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 41.04% below tier average
- + Delinquency Rate 1.01% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Net Interest Margin 0.76% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$96.2M
+7.0% YoY
+1.9% QoQ
|
+$33.7M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Top 5.4% in tier |
| Total Loans ? |
$58.4M
+4.1% YoY
+1.5% QoQ
|
+$23.5M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Top 14.9% in tier |
| Total Deposits ? |
$85.4M
+7.4% YoY
+1.9% QoQ
|
+$33.7M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Top 3.0% in tier |
| Return on Assets ? |
0.58%
+19.3% YoY
+31.7% QoQ
|
-0.41% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
3.15%
+11.5% YoY
+3.2% QoQ
|
-0.76% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
78.36%
-2.1% YoY
-5.3% QoQ
|
-41.04% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? |
0.47%
-25.5% YoY
+116.5% QoQ
|
-1.01% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
68.43%
-3.0% YoY
-0.4% QoQ
|
-5.78% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
17.96%
+7.2% YoY
-1.2% QoQ
|
-5.53% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.29%
-27.5% YoY
+115.7% QoQ
|
-0.55% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
17.05%
+3.2% YoY
-0.6% QoQ
|
-10.08% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.22%
-8.3% YoY
+109.8% QoQ
|
-1.16% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
74% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.0%
+1.2pp YoY -0.2pp QoQ |
-6.7pp | 24.6% | 18.8% | 22.2% | 28% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.9%
+0.6pp YoY -0.2pp QoQ |
-4.5pp | 13.4% | 10.2% | 12.5% | 46% |
| CRE |
11.8%
+0.3pp YoY +0.3pp QoQ |
-13.5pp | 25.2% | 34.2% | 41.4% | 15% |
| 1-4 Family |
69.4%
+0.4pp YoY -0.1pp QoQ |
+34.4pp | 35.0% | 50.0% | 31.3% | 86% |
| Consumer |
6.4%
-0.4pp YoY 0.0pp QoQ |
-1.3pp | 7.7% | 4.7% | 5.0% | 59% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.1%
+0.5pp YoY -0.1pp QoQ |
-21.6pp | 38.7% | 22.1% | 19.7% | 34% |
| Leverage Ratio |
8.5%
-0.2pp YoY 0.0pp QoQ |
-9.2pp | 17.7% | 12.9% | 12.6% | 6% |
| Total Capital Ratio |
18.0%
+0.5pp YoY -0.1pp QoQ |
-21.7pp | 39.7% | 23.2% | 20.8% | 33% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
-1 (-6.7%) YoY 0 QoQ |
+2 | 12 | 2,433 | 482 | 67% |
| Assets per Employee ($) |
$6.9M
+14.7% YoY +1.9% QoQ |
+$681K | $6.2M | $7.6M | $8.8M | 64% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 81 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
+0.3pp YoY |
-0.7pp | 1.0% | 0.2% | 0.4% | 40% |
| Nonaccrual |
0.2%
-0.4pp YoY 0.0pp QoQ |
-1.5pp | 1.7% | 0.6% | 1.0% | 24% |
| Allowance Coverage |
1.67x
+29.2% YoY -54.0% QoQ |
-4.74x | 6.41x | 18.95x | 20.23x | 57% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.1% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.4%
+0.8pp YoY +1.8pp QoQ |
+1.0pp | 6.4% | 9.7% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.7% | 1.7% | 58% |
| Net Income ($, YTD) |
$276,000
+23.2% YoY — QoQ |
-$42K | $317,817 | $259.3M | $40.4M | 48% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.