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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

$285.8MAssets
$211.2MLoans
$247.2MDeposits
$35.1MEquity
Loan mix
78%RE $153.1M19%C&I $36.8M4%Consumer $6.9MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $180.8M27%Noninterest $66.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.49%1.60%1.49%1.50%1.62%1.48%1.42%-7 bps
Return on Equity11.12%13.77%14.35%13.04%12.98%13.85%12.09%11.59%-145 bps
Net Interest Margin4.46%4.39%4.60%4.63%4.66%4.58%4.42%4.25%-38 bps
Efficiency Ratio60.03%54.99%55.79%56.30%55.95%56.98%58.17%58.16%+186 bps
Non-Interest Burden2.58%2.31%2.45%2.48%2.48%2.48%2.46%2.35%-13 bps
Growth
Asset Growth (YoY)7.16%5.76%8.11%6.06%3.79%2.99%3.89%8.03%+198 bps
Loan Growth (YoY)8.31%5.45%3.84%2.93%3.64%1.84%2.17%3.69%+76 bps
Deposit Growth (YoY)6.37%5.49%7.57%5.13%2.75%1.53%2.86%7.48%+236 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.59%0.56%0.59%0.37%0.18%0.89%1.09%+50 bps
Net Charge-Offs / Loans0.06%0.06%0.15%0.08%0.06%0.05%0.01%0.05%-3 bps
Allowance / Loans2.46%2.62%2.62%2.65%2.66%2.70%2.74%2.67%+2 bps
Allowance Coverage of NPLs3.5x4.4x4.6x4.5x7.3x14.8x3.1x2.4x-2.1x
Capital
Tier 1 Leverage Ratio11.54%11.71%12.04%12.40%12.52%12.67%12.77%12.71%+30 bps
Total Risk-Based Capital11.54%11.71%12.04%12.40%12.52%12.67%12.77%12.71%+30 bps
Equity / Assets10.98%11.02%11.32%11.86%11.96%12.25%12.22%12.28%+42 bps
Liquidity & Funding
Loans / Deposits88.02%86.23%86.02%88.56%88.78%86.50%85.45%85.43%-313 bps
Liquid Assets / Assets1.12%1.42%1.27%1.32%1.30%1.00%0.63%0.61%-71 bps
CRE / Total Capitaln/an/an/an/a172.84%159.50%164.44%n/an/a