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Fort Jennings State Bank, The

Fort Jennings, OH · Cert 13209 · FJSB Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

72

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fort Jennings State Bank, The

Fort Jennings, OH · Cert 13209 · FJSB Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$285.8MAssets
$211.2MLoans
$247.2MDeposits
$35.1MEquity
Loan mix
78%RE $153.1M19%C&I $36.8M4%Consumer $6.9MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $180.8M27%Noninterest $66.4MQ2 2025Q2 2026

NIM

5.74%Q2 ’245.98%Q2 ’255.53%Q2 ’26+3%-8%

Non-interest income vs. expense

2.88%Q2 ’242.76%Q2 ’252.63%Q2 ’26-6%-5%

Executive Summary

  • Earnings: ROA of 1.42%, down 7 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 1.09% of loans (+50 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 12.71%, up 30 bps from a year ago.
  • Funding: loans stand at 85.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%-7 bps YoY

Net Interest Margin (YTD, annualized)

4.25%-38 bps YoY

Efficiency Ratio (YTD, annualized)

58.16%+186 bps YoY

Tier 1 Leverage Ratio

12.71%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.50%1.62%1.48%1.42%-7 bps
Return on Equity13.04%12.98%13.85%12.09%11.59%-145 bps
Net Interest Margin4.63%4.66%4.58%4.42%4.25%-38 bps
Efficiency Ratio56.30%55.95%56.98%58.17%58.16%+186 bps
Non-Interest Burden2.48%2.48%2.48%2.46%2.35%-13 bps
Growth
Asset Growth (YoY)6.06%3.79%2.99%3.89%8.03%+198 bps
Loan Growth (YoY)2.93%3.64%1.84%2.17%3.69%+76 bps
Deposit Growth (YoY)5.13%2.75%1.53%2.86%7.48%+236 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.37%0.18%0.89%1.09%+50 bps
Net Charge-Offs / Loans0.08%0.06%0.05%0.01%0.05%-3 bps
Allowance / Loans2.65%2.66%2.70%2.74%2.67%+2 bps
Allowance Coverage of NPLs4.5x7.3x14.8x3.1x2.4x-2.1x
Capital
Tier 1 Leverage Ratio12.40%12.52%12.67%12.77%12.71%+30 bps
Total Risk-Based Capital12.40%12.52%12.67%12.77%12.71%+30 bps
Equity / Assets11.86%11.96%12.25%12.22%12.28%+42 bps
Liquidity & Funding
Loans / Deposits88.56%88.78%86.50%85.45%85.43%-313 bps
Liquid Assets / Assets1.32%1.30%1.00%0.63%0.61%-71 bps
CRE / Total Capitaln/a172.84%159.50%164.44%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Fort Jennings State Bank, The

Fort Jennings, OH · Cert 13209 · Peer group: banks under $1B in assets in OH (n=68-71) · FJSB Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$285.8MAssets
$211.2MLoans
$247.2MDeposits
$35.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 82% of banks under $1B in assets in OH (rank 13 of 71).
  • Widest gap: nonperforming loans / loans trails 76% of banks under $1B in assets in OH (rank 53 of 68).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.39%

Rank 18 of 71

Net Interest Margin

4.25%

Rank 13 of 71

Efficiency Ratio

58.16%

Rank 21 of 71

Equity / Assets

12.28%

Rank 23 of 71

Non-interest income vs. expense

$0.8M$7.5MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 72% of banks under $1B in assets in OH
Bank 58.16%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%0.62%1.02%1.39%Beats 75%18 / 71
Return on Equity11.31%5.62%10.07%13.60%Beats 58%30 / 71
Net Interest Margin4.25%2.93%3.56%4.07%Beats 82%13 / 71
Efficiency Ratio58.16%55.94%70.77%78.80%Beats 72%21 / 71
Asset Quality
Nonperforming Loans / Loans1.09%0.08%0.27%0.97%Beats 24%53 / 68
Net Charge-Offs / Loans0.03%n/a0.00%0.05%Beats 31%48 / 68
Capital
Tier 1 Capital Ratio12.71%11.18%13.77%20.34%Beats 34%47 / 71
Total Risk-Based Capital Ratio12.71%12.08%14.34%21.24%Beats 34%47 / 71
Equity / Assets12.28%8.41%10.74%13.32%Beats 68%23 / 71
Liquidity & Funding
Loans / Deposits85.43%64.48%76.81%87.49%72nd pctl19 / 68
Loans / Assets73.89%55.33%65.58%72.51%76th pctl17 / 71
Brokered Deposits / Depositsn/aNot reported for this institution