The Fort Jennings State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.22 percentage points higher than in Q1 2026, at 56.54%. The Fort Jennings State Bank ranks 65th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 85.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Fort Jennings State Bank sits 4.60 points higher, at 85.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $211.2M |
| Net loans and leases | $205.6M |
| Loans held for sale | $0 |
| Loans to total assets | 73.89% |
| Loan-to-deposit ratio | 85.43% |
| Net loans to equity capital | 5.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.18% |
| Multifamily (5+ residential) | 0.46% |
| Commercial and industrial | 19.10% |
| Consumer | 3.36% |
| Credit cards | 0.00% |
| Farm | 8.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.54% |
| Construction concentration (Tier 1 capital + allowance) | 22.13% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.76% |
| Interest income on loans | $3.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $184.6M | $213.5M | 22.48% | 17.95% | 4.38% |
| Q4 2023 | $191.0M | $221.4M | 22.77% | 18.44% | 4.23% |
| Q1 2024 | $194.0M | $217.7M | 24.24% | 17.22% | 4.21% |
| Q2 2024 | $197.9M | $218.8M | 22.75% | 17.56% | 4.29% |
| Q3 2024 | $199.9M | $227.1M | 22.62% | 16.49% | 4.19% |
| Q4 2024 | $201.4M | $233.6M | 21.90% | 17.08% | 4.07% |
| Q1 2025 | $201.5M | $234.2M | 21.89% | 18.00% | 4.00% |
| Q2 2025 | $203.7M | $230.0M | 21.55% | 17.22% | 4.62% |
| Q3 2025 | $207.2M | $233.4M | 23.06% | 17.89% | 3.77% |
| Q4 2025 | $205.2M | $237.2M | 22.77% | 18.54% | 3.52% |
| Q1 2026 | $205.8M | $240.9M | 23.81% | 17.87% | 3.37% |
| Q2 2026 | $211.2M | $247.2M | 25.18% | 19.10% | 3.36% |
The Fort Jennings State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fort Jennings State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Fort Jennings State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13209) · FFIEC NIC profile (RSSD 830113)