FNB Germantown has been flexible partnering with local businesses and farmers in the Germantown and Southwestern Ohio area for more than 150 years. We believe that when we assist with the ambition and drive our entrepreneurs and farmers have to succeed, we, in turn, help our community grow and prosper.

What are your goals? Let’s talk about it and find the best solution for you.

We’d like to learn about your business operations firsthand, it helps us better understand your borrowing needs and requirements.

Contact a Lender!


    Loans we frequently provide our local partners include:

    -Working capital lines of credit for seasonal needs in your business operation
    -Equipment loans and asset-based lending for longer-term borrowing
    -Commercial real estate loans for your business facilities
    -Term loans for expansion
    -Agricultural production loans
    -We would love to learn how we could help your business or farm grow and prosper. Contact one of our lenders at 937-855-4151.

    Purchase | Refinances | Home Equity’s

    FNB Germantown NMLS #806474

    Whether you have already found your dream home or are still looking, we are here to help you understand the mortgage programs we have available for you. We process our applications locally, make timely decisions, close and service your loan at the bank after it is closed. It is all done locally by people you can call or meet with anytime you have a question. We are here to help you through the myriad of mortgage alternatives and requirements.

    We provide mortgage loans for:

    • Primary residency
    • A second home
    • Refinancing your current mortgage loan
    • Construction loans

    Is refinancing right for you? The process of refinancing your home can be costly and time consuming. Saving money shouldn’t be a hassle and at First National Bank of Germantown we do our best to make it easier on you! The savings from getting a lower interest rate on your home can add up fast. The average mortgage balance in the State of Ohio is $129,106 (Source: Experian.com). Depending on your current interest rate, you could save thousands of dollars over the life of the loan.

    Home Equity Loans

    Use home equity loans to consolidate debt, finance home improvements, or pay for your child’s college tuition.  Terms as long as 20 years with competitive rates.  Call a lender for more information.

    Home Equity Line of Credit

    A HELOC is great tool for ongoing projects or to cover unexpected expenses.  Our HELOCs are competitively priced and include draw terms up to 10 years and repayment terms up to 15 years.  If you’re looking to fix up your home and have equity, this may be the product for you!

    Auto & Signature Loans

    We think customers are special and their installment loan needs are unique to their particular circumstance. We don’t believe those unique needs are met with a one size fits all cookie cutter approach to installment loans by type or terms or rates. That’s why the first question we’ll ask you is, “What do you have in mind?” Followed by, “How can we help?” Once we understand your installment borrowing needs we will work with you to structure an installment loan that meets your unique requirements. Nothing fancy or sophisticated, it’s just the way FNB Germantown meets the installment loan needs of the people in the area we serve.

    FNB Germantown is a locally owned and operated independent community Bank. That means all of our loan decisions are made quickly and locally by people you can talk with on the telephone or meet with in person. We love to meet with our customers about their borrowing requirements no matter how big or how small they may be.

    We provide competitive rates, flexible terms on installment loans for cars, boats, motorcycles motorhomes, travel trailers, home lawn and garden equipment or any other worthwhile purpose you may have in mind.