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
Unfavorable gap of $6.7M · efficiency ratio beats 72% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.62% | 1.02% | 1.39% | Beats 75% | 18 / 71 | | |
| Return on Equity | 11.31% | 5.62% | 10.07% | 13.60% | Beats 58% | 30 / 71 | | |
| Net Interest Margin | 4.25% | 2.93% | 3.56% | 4.07% | Beats 82% | 13 / 71 | | |
| Efficiency Ratio | 58.16% | 55.94% | 70.77% | 78.80% | Beats 72% | 21 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.09% | 0.08% | 0.27% | 0.97% | Beats 24% | 53 / 68 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.05% | Beats 31% | 48 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 12.71% | 11.18% | 13.77% | 20.34% | Beats 34% | 47 / 71 | | |
| Total Risk-Based Capital Ratio | 12.71% | 12.08% | 14.34% | 21.24% | Beats 34% | 47 / 71 | | |
| Equity / Assets | 12.28% | 8.41% | 10.74% | 13.32% | Beats 68% | 23 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.43% | 64.48% | 76.81% | 87.49% | 72nd pctl | 19 / 68 | | |
| Loans / Assets | 73.89% | 55.33% | 65.58% | 72.51% | 76th pctl | 17 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |