BlastPoint's Banking Scorecard
The Fort Jennings State Bank
Micro
Specialty: Commercial
OH
FDIC cert 13209
Designations: ✓ Community bank
Fort Jennings, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Fort Jennings State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.25% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$274.2M
+3.0% YoY
+1.9% QoQ
|
+$56.7M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$199.6M
+1.8% YoY
-1.0% QoQ
|
+$60.4M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$237.2M
+1.5% YoY
+1.6% QoQ
|
+$53.5M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.62%
+8.3% YoY
+8.1% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
5.10%
+1.5% YoY
+0.4% QoQ
|
+1.25% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
56.98%
+3.6% YoY
+1.8% QoQ
|
-10.74% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.19%
-69.0% YoY
-50.2% QoQ
|
-0.45% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
84.16%
+0.2% YoY
-2.6% QoQ
|
+9.63% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
27.78%
-1.9% YoY
+5.5% QoQ
|
+5.39% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.14%
-72.8% YoY
-51.6% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.29%
+24.5% YoY
+37.0% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.10%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Net Interest Margin
Current: 5.10% · Tier avg: 3.85%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
76
76th pctile
Efficiency Ratio
Current: 56.98% · Tier avg: 67.73%
74
74th pctile
Total Loans
Current: $199.6M · Tier avg: $139.2M
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.78% · Tier avg: 22.39%
68
68th pctile
Total Deposits
Current: $237.2M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $274.2M · Tier avg: $217.5M
63
63th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.16% · Tier avg: 74.53%
Top Weaknesses
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.16% · Tier avg: 74.53%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
67
67th pctile
Total Assets
Current: $274.2M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $237.2M · Tier avg: $183.7M
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.78% · Tier avg: 22.39%
74
74th pctile
Total Loans
Current: $199.6M · Tier avg: $139.2M
76
76th pctile
Efficiency Ratio
Current: 56.98% · Tier avg: 67.73%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
92
92th pctile
Net Interest Margin
Current: 5.10% · Tier avg: 3.85%