Banks in Germantown, OH

Bank branch map: Germantown

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 2 banks and credit unions operate 2 locations in Germantown, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Germantown

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Farmers & Merchants Bank and The First National Bank of Germantown have the most locations in Germantown, with 1 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Farmers & Merchants Bank 1 branch · main office Miamisburg, OH Bank · 1

Farmers & Merchants Bank has 1 branch in Germantown, 5 across Ohio and 5 nationwide. FDIC records list its main office in Miamisburg, OH and show it operating since 1923. With $359.4 million in total assets on June 30, 2026, it ranks No. 2,215 of 4,232 U.S. banks by total assets. The Germantown Branch at 2367 Beechwood Dr dates to 2006 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Germantown Branch

  2367 Beechwood Dr, 45327

  Hours: see the bank's site
  DirectionsWebsite

Farmers & Merchants Bank: profile, branches and contacts

The First National Bank of Germantown 1 branch · main office Germantown, OH Bank · 1

The First National Bank of Germantown has 1 branch in Germantown, 1 across Ohio and 1 nationwide. FDIC records list its main office in Germantown, OH and show it operating since 1863. With $96.2 million in total assets on June 30, 2026, it ranks No. 3,725 of 4,232 U.S. banks by total assets. Its main office at 17 N Main St dates to 1863 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  17 N Main St, 45327

  Hours: see the bank's site
  DirectionsWebsite

The First National Bank of Germantown: profile, branches and contacts

Banking in Germantown: the local picture

Short answer: 2 banks run 2 branches in Germantown according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 2 banks, 1 has its main office in Germantown, 1 elsewhere in Ohio, according to the FDIC.

The bank with the longest record here is The First National Bank of Germantown, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is The First National Bank of Germantown's office at 17 N Main St, dating to 1863; the newest is Farmers & Merchants Bank's at 2367 Beechwood Dr, from 2006.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Germantown, and where the nearest one is if they do not.

Short answer: No branches in Germantown: Chase (nearest in Miamisburg, 5 mi), Wells Fargo, Bank of America (nearest in Middletown, 9 mi), PNC Bank (nearest in Springboro, 8 mi), U.S. Bank (nearest in Miamisburg, 4 mi), Truist (nearest in Blue Ash, 28 mi), Fifth Third Bank (nearest in Miamisburg, 6 mi), Huntington (nearest in Franklin, 6 mi), Regions Bank, TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Germantown to the nearest branch in Ohio.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Germantown residents like anyone else.

Banks near Germantown

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Miamisburg (6 miles) and Franklin (6 miles). Dayton, 12 miles away, has the most banks nearby: 16.

Bank branch openings and closings in Germantown

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Germantown between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Banks and credit unions based in Germantown

Short answer: 1 institution has its main office in Germantown: The First National Bank of Germantown.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Germantown by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Germantown offices.

Short answer: Farmers & Merchants Bank is the largest bank with offices in Germantown, with $359.4 million in total assets on June 30, 2026, No. 2,215 among U.S. banks by total assets. The First National Bank of Germantown is second with $96.2 million. 1 of the 2 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Germantown: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.