The First National Bank of Germantown

Headquarters: Germantown, Ohio
Charter: Bank
Assets: $96.2M
Fed district: Cleveland
Regulator: OCC
Holding company: Main Street Capital Co

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 21, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 21, 2026

How these figures are measured

Call-report figures are for The First National Bank of Germantown at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The First National Bank of Germantown's published fee schedule; Bank Fee Index medians	Current schedule	Oct 21, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: The First National Bank of Germantown (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $32K in Q2 2026, 6.7% above the same quarter a year earlier ($30K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
The First National Bank of Germantown: $31
The First National Bank of Germantown: $31
U.S. median: no median
NSF / Returned Item
The First National Bank of Germantown: $31
The First National Bank of Germantown: $31
U.S. median: no median
Non-Network ATM
The First National Bank of Germantown: $2
The First National Bank of Germantown: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $32K.

Service-charge income, Q2 2026

$32K

$32KQ3 2025

$33KQ4 2025

$31KQ1 2026

$32KQ2 2026

Against the median

The First National Bank of GermantownMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

The First National Bank of Germantown · $96M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$90M to $102M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The First National Bank of Germantown(this institution)	Germantown, OH	$96M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Calhoun County	Hardin, IL	$100M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Lake Village	Lake Village, AR	$91M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Citizens Bank & Trust Co.	Marks, MS	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Community Bank of Missouri	Richmond, MO	$94M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank of Oelwein	Oelwein, IA	$95M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community First Bank	Rosholt, WI	$98M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Bank and Trust Company	Minden, NE	$91M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings Bank of Washington	Washington, IN	$94M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Home National Bank	Racine, OH	$95M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Integrity Bank Plus	Wabasso, MN	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Investors Community Bank	Chillicothe, MO	$98M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Johnson State Bank	Johnson, KS	$97M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Junction National Bank	Junction, TX	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mayville State Bank	Mayville, MI	$95M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Miners Exchange Bank	Coeburn, VA	$93M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mutual Federal Bank	Chicago, IL	$97M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Exchange Bank	Monroeville, AL	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples First Savings Bank	Mason, OH	$100M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rockland Savings Bank, FSB	Rockland, ME	$91M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The Citizens National Bank of McConnelsville	McConnelsville, OH	$102M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank of Johnson	Johnson, NE	$96M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Miners National Bank of Eveleth	Eveleth, MN	$97M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Ottoville Bank Company	Ottoville, OH	$94M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Stock Exchange Bank, Caldwell, Kansas	Caldwell, KS	$90M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Security Bank	Fulton, MO	$97M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

The First National Bank of Germantown does not publish a monthly maintenance fee in the index.

The peer median is $8 among 13 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

The First National Bank of Germantown does not publish a monthly maintenance fee, so it is not on this chart.

The First National Bank o…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The First National Bank of Germantown (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $32K
vs prior quarter: +$1K+3.2%; from Q1 2026
vs a year earlier: +$2K+6.7%; from Q2 2025
vs start of range: −$2K−5.9%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: The First National Bank of Germantown (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$32K	+$1K	+3.2%
Q1 2026	$31K	−$2K	−6.1%
Q4 2025	$33K	+$1K	+3.1%
Q3 2025	$32K	+$2K	+6.7%
Q2 2025	$30K	+$3K	+11.1%
Q1 2025	$27K	−$5K	−15.6%
Q4 2024	$32K	−$2K	−5.9%
Q3 2024	$34K	+$2K	+6.3%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The First National Bank of Germantown’s own schedules, with a source for each figure.

Account Maintenance

Account Closed within 13 Months$25
Account Closed within 13 Months$25
Dormant Account$6
Dormant Account$6
Account Balancing (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour
Account Balancing (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Balancing (per hour) $30.00
Records Research (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour · Records Research (per hour) $30.00
Return Mail Processing$3
Return Mail Processing$3

Overdraft & NSF

Non-Sufficient Funds/Overdraft$31
Overdraft$31
Return Item Fees$31
Return Item Fees$31
Sweeps (OD Transfer from Savings to Checking per occurance)$5
per item
Sweeps (OD Transfer from Savings to Checking per occurance)$5
per item

ATM & Card

Foreign ATM Transactions$2
Foreign ATM Transactions$2
ATM/Debit Card Replacement$10
ATM/Debit Card Replacement$10

Wire Transfers

Wire (Outgoing - Domestic)$25
Wire (Outgoing - Domestic)$25
Wire (Incoming)$15
Wire (Incoming)$15
Wire (Outgoing - Int'l)$50
Wire (Outgoing - Int'l)$50

Check Services

Cashier's Check (non-customer)$10
Cashier's Check (non-customer)$10
Money Order (customer)$3
Money Order (customer)$3
Money Order (non-customer)$5
Money Order (non-customer)$5
Stop Payment$31
Stop Payment$31
Photocopy of Check$4
Photocopy of Check$4

Digital & Electronic

Main Street Originator - ACH Origination (per Month)No charge
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Return Deposit Item$10
Return Deposit Item$10
Key Replacement (Night Drop)$10
Key Replacement (Night Drop)$10

Account Services

Notary ServicesNo charge
Notary ServicesNo charge
Safe Deposit Box 10x10$62.50
Safe Deposit Box 10x10$62.50
Safe Deposit Box 3x10$31.25
Safe Deposit Box 3x10$31.25
Safe Deposit Box 3x5$18.75
Safe Deposit Box 3x5$18.75
Safe Deposit Box 4x5$25
Safe Deposit Box 4x5$25
Safe Deposit Box 5x10$50
Safe Deposit Box 5x10$50
Safe Deposit Box Drill$125
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement (Damaged Key)$25
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement (Damaged Key)$25
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement (Requires New Locks)$75
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement (Requires New Locks)$75
Not compared: Box drilling or key fee
Garnishment/Tax Levies$75
Garnishment/Tax Levies$75

Other Fees

Photocopy of Statement$5
Photocopy of Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 13 Months	$25	Not stated	None
Account Closed within 13 Months	$25	Not stated	None
Dormant Account	$6	Not stated	None
Dormant Account	$6	Not stated	None
Account Balancing (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account Balancing (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	Account Balancing (per hour) $30.00
Records Research (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	Records Research (per hour) $30.00
Return Mail Processing	$3	Not stated	None
Return Mail Processing	$3	Not stated	None
Overdraft & NSF
Non-Sufficient Funds/Overdraft	$31	Not stated	None
Overdraft	$31	Not stated	None
Return Item Fees	$31	Not stated	None
Return Item Fees	$31	Not stated	None
Sweeps (OD Transfer from Savings to Checking per occurance)	$5	per item	None
Sweeps (OD Transfer from Savings to Checking per occurance)	$5	per item	None
ATM & Card
Foreign ATM Transactions	$2	Not stated	None
Foreign ATM Transactions	$2	Not stated	None
ATM/Debit Card Replacement	$10	Not stated	None
ATM/Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire (Outgoing - Domestic)	$25	Not stated	None
Wire (Outgoing - Domestic)	$25	Not stated	None
Wire (Incoming)	$15	Not stated	None
Wire (Incoming)	$15	Not stated	None
Wire (Outgoing - Int'l)	$50	Not stated	None
Wire (Outgoing - Int'l)	$50	Not stated	None
Check Services
Cashier's Check (non-customer)	$10	Not stated	None
Cashier's Check (non-customer)	$10	Not stated	None
Money Order (customer)	$3	Not stated	None
Money Order (customer)	$3	Not stated	None
Money Order (non-customer)	$5	Not stated	None
Money Order (non-customer)	$5	Not stated	None
Stop Payment	$31	Not stated	None
Stop Payment	$31	Not stated	None
Photocopy of Check	$4	Not stated	None
Photocopy of Check	$4	Not stated	None
Digital & Electronic
Main Street Originator - ACH Origination (per Month)	No chargeNot compared: Monthly charge, not per item	per month	None
Cash & Deposit
Return Deposit Item	$10	Not stated	None
Return Deposit Item	$10	Not stated	None
Key Replacement (Night Drop)	$10	Not stated	None
Key Replacement (Night Drop)	$10	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Notary Services	No charge	Not stated	None
Safe Deposit Box 10x10	$62.50	Not stated	None
Safe Deposit Box 10x10	$62.50	Not stated	None
Safe Deposit Box 3x10	$31.25	Not stated	None
Safe Deposit Box 3x10	$31.25	Not stated	None
Safe Deposit Box 3x5	$18.75	Not stated	None
Safe Deposit Box 3x5	$18.75	Not stated	None
Safe Deposit Box 4x5	$25	Not stated	None
Safe Deposit Box 4x5	$25	Not stated	None
Safe Deposit Box 5x10	$50	Not stated	None
Safe Deposit Box 5x10	$50	Not stated	None
Safe Deposit Box Drill	$125Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement (Damaged Key)	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement (Damaged Key)	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement (Requires New Locks)	$75Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement (Requires New Locks)	$75Not compared: Box drilling or key fee	Not stated	None
Garnishment/Tax Levies	$75	Not stated	None
Garnishment/Tax Levies	$75	Not stated	None
Other Fees
Photocopy of Statement	$5	Not stated	None
Photocopy of Statement	$5	Not stated	None

Account Maintenance

Monthly Fee$10
per month
Account Closed within 13 Months$25
Dormant Account$6
Account Balancing (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
Return Mail Processing$3

Overdraft & NSF

Non-Sufficient Funds/Overdraft$31
Return Item Fees$31
Sweeps (OD Transfer from Savings to Checking per occurance)$5
per item

ATM & Card

Foreign ATM Transactions$2
ATM/Debit Card Replacement$10

Wire Transfers

Wire (Outgoing - Domestic)$25
Wire (Incoming)$15
Wire (Outgoing - Int'l)$50

Check Services

Cashier's Check (non-customer)$10
Money Order (customer)$3
Money Order (non-customer)$5
Stop Payment$31
Photocopy of Check$4

Digital & Electronic

Main Street Originator - ACH Origination (per Month)No charge
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Return Deposit Item$10
Key Replacement (Night Drop)$10

Account Services

Notary ServicesNo charge
Safe Deposit Box 10x10$62.50
Safe Deposit Box 3x10$31.25
Safe Deposit Box 3x5$18.75
Safe Deposit Box 4x5$25
Safe Deposit Box 5x10$50
Safe Deposit Box Key Replacement (Damaged Key)$25
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement (Requires New Locks)$75
Not compared: Box drilling or key fee
Garnishment/Tax Levies$75

Other Fees

Photocopy of Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$10	per month	None
Account Closed within 13 Months	$25	Not stated	None
Dormant Account	$6	Not stated	None
Account Balancing (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	Not stated	None
Return Mail Processing	$3	Not stated	None
Overdraft & NSF
Non-Sufficient Funds/Overdraft	$31	Not stated	None
Return Item Fees	$31	Not stated	None
Sweeps (OD Transfer from Savings to Checking per occurance)	$5	per item	None
ATM & Card
Foreign ATM Transactions	$2	Not stated	None
ATM/Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire (Outgoing - Domestic)	$25	Not stated	None
Wire (Incoming)	$15	Not stated	None
Wire (Outgoing - Int'l)	$50	Not stated	None
Check Services
Cashier's Check (non-customer)	$10	Not stated	None
Money Order (customer)	$3	Not stated	None
Money Order (non-customer)	$5	Not stated	None
Stop Payment	$31	Not stated	None
Photocopy of Check	$4	Not stated	None
Digital & Electronic
Main Street Originator - ACH Origination (per Month)	No chargeNot compared: Monthly charge, not per item	per month	None
Cash & Deposit
Return Deposit Item	$10	Not stated	None
Key Replacement (Night Drop)	$10	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Safe Deposit Box 10x10	$62.50	Not stated	None
Safe Deposit Box 3x10	$31.25	Not stated	None
Safe Deposit Box 3x5	$18.75	Not stated	None
Safe Deposit Box 4x5	$25	Not stated	None
Safe Deposit Box 5x10	$50	Not stated	None
Safe Deposit Box Key Replacement (Damaged Key)	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement (Requires New Locks)	$75Not compared: Box drilling or key fee	Not stated	None
Garnishment/Tax Levies	$75	Not stated	None
Other Fees
Photocopy of Statement	$5	Not stated	None

Correct a fee source

Oct 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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