The Fort Jennings State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Yield on securities: 1.00 percentage points lower than in Q1 2026, at 2.08%. The Fort Jennings State Bank ranks 20th of 156 Ohio banks on net interest margin, in the upper half at 4.48% (Q2 2026). The Fort Jennings State Bank reported 4.48% on net interest margin for Q2 2026, 0.53 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.76% |
| Yield on securities | 2.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.48% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $953K |
| Interest expense on deposits | $953K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.74% | 0.96% | 4.84% | 6.15% | 2.89% |
| Q4 2023 | 5.93% | 1.11% | 4.87% | 6.40% | 2.69% |
| Q1 2024 | 6.14% | 1.38% | 4.84% | 6.57% | 3.32% |
| Q2 2024 | 6.23% | 1.54% | 4.80% | 6.77% | 2.47% |
| Q3 2024 | 6.46% | 1.66% | 4.94% | 6.92% | 3.48% |
| Q4 2024 | 6.54% | 1.68% | 4.97% | 7.22% | 3.03% |
| Q1 2025 | 6.33% | 1.51% | 4.90% | 6.92% | 2.96% |
| Q2 2025 | 6.38% | 1.61% | 4.94% | 6.98% | 2.98% |
| Q3 2025 | 6.47% | 1.42% | 5.15% | 7.08% | 2.98% |
| Q4 2025 | 6.39% | 1.47% | 5.03% | 7.11% | 2.99% |
| Q1 2026 | 6.11% | 1.50% | 4.74% | 6.82% | 3.08% |
| Q2 2026 | 5.90% | 1.57% | 4.48% | 6.76% | 2.08% |
The Fort Jennings State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fort Jennings State Bank, freeSource: Call Report Schedules RI and RC-K, 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)