Banner - About Us

Germantown's own community bank.

What does it mean to be a Community Bank?  It means we get our deposits from friends, neighbors, and customers just like you. We make loans within our own community and lending decisions are made locally by people who understand the unique challenges and financial needs of the people who live and work here in the Germantown area.

About Us

FNB Germantown has helped our neighbors build strong families, homes and businesses for more than 150 years.  Still today, whether you need a loan, a checking account, a certificate of deposit, or a savings account, we want to be your first choice in banking and your banking partner.

Our website was built with you in mind.  Our products and our employees are among the best in the business, and we are always here to serve your needs. Our Vision is to be recognized as the most trusted community banking partner for families and small businesses in Southwestern OhioOur Mission is to support and build our communities by providing personal, trusted financial services. Our Values are to provide trusted financial services, exceed our customers expectations, support our local community, and develop our people.  They are the foundation of every action we take, and we hold ourselves to the highest standards of integrity and professionalism. You'll always receive friendly, personal attention when you bank with FNB Germantown. FNB Germantown is committed to putting YOU first...always.

Our History

FNB Germantown has been around for over 150 years and is currently the seventh oldest national bank in the United States. 

Our People

Board of Directors
Thomas M. Kuhn, Chairman of the Board
Merle F. Wilberding, Director & Secretary of the Association
Timothy J. Stueve, Director
Thomas J. Custer, Director
Thomas E. Winning, President/CEO 

For full directory, click here.

Our Community Support and Charitable Donations

FNB Germantown is committed to the economic and cultural growth of the Germantown community.  We support many non-profit community groups and activities and encourage FNB Germantown employees to become actively involved in Germantown and the surrounding communities.  

One of our many ongoing givings is our VISA Spartan Card.  For every new account opened, FNB Germantown will donate $10 in support of the Valley View Spartans Athletic Boosters.  1% of every purchase on every Spartan Card will also go to support the boosters.  For more information, click here.

What makes FNB Germantown the perfect bank?

FNB Germantown offers all of the financial services you need—from personal banking, investments, commercial development loans to farm loans.  From our friendly, knowledgeable employees to our investment of our time, talents, and finances locally, we strive to exceed the needs of our community.

We strive to provide exceptional service to our community. If you have questions about your existing account or want to learn about opening an account at FNB Germantown, please let us know. WE ARE ALWAYS HERE FOR YOU!

You Can Contact Us Several Ways

Call Us - You can reach us by calling 855-4151 or 800-246-0989. Friendly customer service representatives are available Monday through Friday from 9:00am to 5:30pm EDT and Saturdays from 9:00am to 12:00pm EDT.

Stop In - As a community oriented bank, we strive to build personal relationships with each of our customers. We encourage you to stop in and meet with us to discuss an existing account or open a new account. At the very least, enjoy a free cup of coffee from our coffee bar!

Contact Us Online -E-mail any one of our staff members.

Concerns and Complaints - At FNB Germantown we are committed to exceeding the needs of our customers.  If you should have a concern or complaint regarding any of our products or services we offer, please write us at:

First National Bank of Germantown
Attn:  Thomas E. Winning, President & CEO
PO Box 140
Germantown, OH 45327

Comments or Compliments - We welcome any and all ideas you might have on how we can better serve you.  Let us know at

Website Suggestions - We look forward to hearing about your experience on our website.  Let us know what you liked, what you didn't, and what you think you would like to see more of.  Your feedback and suggestions are valuable.  Send an e-mail to