Total Assets
$274M
Total balance-sheet footings
FDIC Cert #13209 · Fort Jennings, Ohio · Est. 1918
The Fort Jennings State Bank - FDIC Bank Health Profile
A community-scale look at The Fort Jennings State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $274M
- Total assets
- A
- Health grade · Excellent
- 1.62%
- Return on assets
- 12.7%
- Tier 1 capital
Data updated July 2026
The verdict
The Fort Jennings State Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 12.67% Tier 1, profitable at 1.62% ROA, efficient (57% cost ratio).
- #2,623
- largest of 4,313 FDIC banks by assets
- 39th
- percentile by asset size, nationally
- 12.67%
- Tier 1 ratio - above the 10% well-capitalized line
- 79th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Fort Jennings State Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Fort Jennings State Bank's composite health score
Tier 1 Capital Ratio (12.67%) 35/40
Return on Assets (ROA) (1.62%) 25/25
Texas Ratio (0.96%) 20/20
Efficiency Ratio (56.98%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$237M
Customer-funded liabilities
Net Loans
$200M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Fort Jennings State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Fort Jennings State Bank's score of 92/100 falls in the highlighted band.
The Fort Jennings State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Fort Jennings State Bank's $274M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.67% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.67%
Texas Ratio
0.96%
Equity Capital
$34M
Profitability metrics
Return on Assets (ROA)
79th percentile nationally
1.62%
Return on Equity (ROE)
13.85%
Efficiency Ratio
56.98%
What the numbers say about The Fort Jennings State Bank
The Fort Jennings State Bank is an FDIC-insured institution (Certificate #13209) headquartered in Fort Jennings, Ohio, established in 1918. It holds $274M in total assets - 2,623rd of 4,313 FDIC-insured banks, $237M in customer deposits, and $200M in net loans. Looking at capital strength, Tier 1 stands at 12.67%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.96%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Ohio, The Fort Jennings State Bank ranks 82nd of 158 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$790K
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Fort Jennings State Bank reports a Texas Ratio of 0.96% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.96% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Fort Jennings State Bank (FDIC Cert #13209) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is The Fort Jennings State Bank's health grade?▼
The Fort Jennings State Bank receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Fort Jennings State Bank?▼
The Fort Jennings State Bank holds $274M in total assets and $237M in deposits, ranking 2,623rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Fort Jennings, Ohio.
Is my money safe at The Fort Jennings State Bank?▼
Yes, deposits at The Fort Jennings State Bank (Certificate #13209) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Fort Jennings State Bank's Tier 1 Capital Ratio?▼
The Fort Jennings State Bank has a Tier 1 Capital Ratio of 12.67%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Fort Jennings State Bank?▼
The Fort Jennings State Bank has a Texas Ratio of 0.96%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Fort Jennings State Bank?▼
The Fort Jennings State Bank has an Efficiency Ratio of 56.98%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Fort Jennings State Bank's profile as a depositor or analyst.
- The Fort Jennings State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Fort Jennings State Bank against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.