The Fort Jennings State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Fort Jennings State Bank is an FDIC-insured commercial bank headquartered in Fort Jennings, OH, established in 1918 (FDIC certificate 13209), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $285.8M, up 8.0% from Q2 2025, the 78th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.71% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13209
- Headquarters
- Fort Jennings, OH
- Established
- 1918
- Total assets, Q2 2026
- $285.8M
- Assets vs Q2 2025
- +8.0%
- Tier 1 leverage ratio, Q2 2026
- 12.71%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 041212815
- Latest call report
- Q2 2026, FFIEC 051 · The Fort Jennings State Bank call report
- Holding company
- FJSB BANCSHARES, INC.
- Asset rank in state
- 78th of 154 in Ohio
Problem loans are rising at The Fort Jennings State Bank. Based in Fort Jennings, Ohio, it had $286 million in assets at June 30, 2026, up 8.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.09% of loans from 0.59% a year earlier. It keeps 4.48 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents).
Deposits are coming in faster than loans: over the year loans rose 3.7% and deposits rose 7.5%.
As of June 30, 2026, The Fort Jennings State Bank reported a return on assets of 1.35%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 5.72%. The figures come from its call report filed with the FFIEC.
The Fort Jennings State Bank ranks as the 78th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $285.8M, loans rose 2.6% and deposits rose 2.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.9% of total loans, followed by commercial and industrial loans at 19.1%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in OH; its Fort Jennings office books 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Fort Jennings State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 120 N Water St, Fort Jennings, OH 45844
- County
- Putnam
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1918
- Former names
- The Fort Jennings State Bank (1918)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $247.2M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- $57K
- Average total assets
- $285.0M
- Average total loans
- $207.6M
- Average interest-bearing deposits
- $176.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13209
- Fed RSSD
- 830113
- Website
- www.fjsb.com →
- Parent Holding Company
- FJSB BANCSHARES, INC. (RSSD 2524443)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Fort Jennings State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Fort Jennings State Bank's total assets moved between a low of $242.0M (Q3 2023) and a high of $285.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$285.8M total assets against $264.6M; $250.7M total liabilities against $233.2M.
$205.6M net loans and leases against $198.3M; $247.2M total deposits against $230.0M.
$27.0M securities against $19.5M; $34.1M cash and balances due against $29.6M.
$3.9M total interest income against $3.9M; $953K total interest expense against $892K.
$3.0M net interest income against $3.1M.
$204K total noninterest income against $193K; $1.9M total noninterest expense against $1.8M.
$60K provision for credit losses against $120K.
$962K net income against $908K.
1.35% return on assets against 1.38%; 4.48% net interest margin against 4.94%.
12.71% tier 1 leverage ratio against 12.40%.
Inside the full The Fort Jennings State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Fort Jennings State Bank rankings
Its closest position to the top of a national ranking is 1,177 of 3,640, for Texas Ratio; its furthest is 2,531 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.31% (Q3 2024) to 2.32% (Q4 2024) and its net interest margin ran from 4.48% (Q2 2026) to 5.15% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.71% | 1.35% | 1.09% | 5.72% | 4.48% |
| Q1 2026 | 12.77% | 1.48% | 0.89% | 4.67% | 4.74% |
| Q4 2025 | 12.67% | 1.97% | 0.18% | 0.96% | 5.03% |
| Q3 2025 | 12.52% | 1.53% | 0.37% | 2.03% | 5.15% |
| Q2 2025 | 12.40% | 1.38% | 0.59% | 3.29% | 4.94% |
| Q1 2025 | 12.04% | 1.62% | 0.56% | 3.65% | 4.90% |
| Q4 2024 | 11.71% | 2.32% | 0.59% | 3.90% | 4.97% |
| Q3 2024 | 11.54% | 1.31% | 0.70% | 4.81% | 4.94% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Fort Jennings State Bank | Fort Jennings , OH | 45844 | $98.0M |
| Ottoville Branch | Ottoville , OH | 45876 | $35.1M |
| Leipsic Branch | Leipsic , OH | 45856 | $28.7M |
| Ottawa Branch | Ottawa , OH | 45875 | $27.7M |
| Fort Jennings State Bank Branch | Continental , OH | 45831 | $25.0M |
| Columbus Grove Branch | Columbus Grove , OH | 45830 | $22.2M |
| Glandorf Branch | Glandorf , OH | 45848 | $10.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 92 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $35K approved, $35K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Fort Jennings State Bank
What are The Fort Jennings State Bank's total assets?
As of the Q2 2026 filing, The Fort Jennings State Bank reported total assets of $285.8 million in its FFIEC call report.
Where is The Fort Jennings State Bank headquartered?
It is headquartered in Fort Jennings, OH, United States.
When was The Fort Jennings State Bank founded?
It was established in 1918, per the FDIC institution directory.
Is The Fort Jennings State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Fort Jennings State Bank?
The Fort Jennings State Bank's primary federal regulator is the FDIC.
How many branches does The Fort Jennings State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Fort Jennings State Bank's Texas Ratio?
Its Texas Ratio is 5.72% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Fort Jennings State Bank previously called?
The charter now named The Fort Jennings State Bank has also operated as The Fort Jennings State Bank (1918), per FDIC structure-change records.
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