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Welcome to First National Bank of Germantown

Ensuring every customer feels connected, protected and accepted by their Community Bank. 

Our Values

Forget what you remember about banking

It's a privilege to be called a Community Bank. It means we get to call our family, neighbors, and businesses "our customers."

More than paper applications. Our lenders understand the unique challenges and financial needs of the people who live and work here.

We are dedicated to educating and protecting everyone in our community so they can have more time to enjoy moments and make memories.

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Our History

When visitors and historians try to describe our village, they commonly choose words like “picturesque” and “nestled” within Twin Creek Valley. We agree, but like to add “proud” and “successful” too. Our story is a colorful one and recognized by the National Registry of Historic Places. Preserving our historic buildings and homes continues to make Germantown a southwest Ohio destination.

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Our Customers | Our Friends

“FNB of Germantown is a small town bank that offers big bank ideas, opportunities and support with a personal touch! Tom Winning and his staff are knowledgeable, professional, and will do all within their power to get their customer’s what they need! Personally and professionally, I would absolutely not bank anywhere else!! Everything we need is at FNB of Germantown!!!!”
– Mary Getter – President CG Construction
“As an event coordinator and venue owner, customer service is the most important part of my business. I live by the words of Walt Disney – “Do what you do so well they will want to see it again, and bring their friends.” I am the proud owner of The Shuey Mill Inn & Event Center because the staff at First National Bank of Germantown live by those words as well. They believed in my vision, gave me financial guidance, supported me when the “redtape” seemed more than I could bear, and join me in celebrating every successful event.”
– Alyson Brate, Owner Shuey Mill & Event Center
“…Employees of FNB know you by name whether you are in the bank or in the community. Their customer service gives us peace of mind that no matter what our need is or will be, we will be taken care of. We have had many accounts at many different banks over the years, but have never experienced what we do at FNB. They go above and beyond to take care of their patrons. In my mind, our hometown bank, FNB Germantown, is the only place to do business.”
– Jack & Ann Warner, Owners Schenck Furniture
“Tom, Justin and the bank staff have played a very instrumental role in the success of our business in its first year. Dealing with our hometown bank gives us increased comfort that you wouldn’t find in larger corporate banks.”
– Gary and Cari Morton, Owners Complete Flooring Solutions