The Fort Jennings State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.47 percentage points lower than in Q1 2026, at 365.93%. Within Ohio, The Fort Jennings State Bank is 44th of 156 on return on assets, 1.35% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Fort Jennings State Bank sits 0.10 points higher, at 1.35% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.71% |
| Equity capital to assets | 12.28% |
| Tangible equity to tangible assets | 12.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 8.50% |
| Allowance for credit losses to loans | 2.67% |
| Reserve coverage of non-performing loans | 365.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 11.13% |
| Net interest margin | 4.48% |
| Efficiency ratio | 58.04% |
| Yield on earning assets | 5.90% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.43% |
| Core deposits to total deposits | 90.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.49% |
| Securities to assets | 9.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.18% | 1.30% | 4.84% | 0.60% | 0.00% |
| Q4 2023 | 11.38% | 1.35% | 4.87% | 0.70% | 0.01% |
| Q1 2024 | 11.46% | 0.91% | 4.84% | 0.68% | 0.04% |
| Q2 2024 | 11.60% | 1.41% | 4.80% | 0.66% | 0.04% |
| Q3 2024 | 11.54% | 1.31% | 4.94% | 0.67% | 0.10% |
| Q4 2024 | 11.71% | 2.32% | 4.97% | 0.56% | 0.05% |
| Q1 2025 | 12.04% | 1.62% | 4.90% | 0.56% | 0.15% |
| Q2 2025 | 12.40% | 1.38% | 4.94% | 0.52% | 0.02% |
| Q3 2025 | 12.52% | 1.53% | 5.15% | 0.78% | 0.02% |
| Q4 2025 | 12.67% | 1.97% | 5.03% | 0.67% | 0.01% |
| Q1 2026 | 12.77% | 1.48% | 4.74% | 0.73% | 0.01% |
| Q2 2026 | 12.71% | 1.35% | 4.48% | 0.73% | 0.10% |
The Fort Jennings State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fort Jennings State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)