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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 13209 · OH A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #660/4307
  • PHOTO-FINISH Northeast Missouri S… · MO
  • TIER1-WELL 12.7% Tier 1
  • TEXAS-CLEAN 1.0% Texas
  • ROA-STRONG 1.62% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Northeast Missouri State Bank, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Fort Jennings State Bank

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Farmers and Merchant… · OK ·…92/100Farmers Savings Bank · WI · …92/100Northeast Missouri S… · MO ·…92/100Oklahoma State Bank · OK · n…92/100The Fort Jennings St… · OH ·…92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Fort Jennings State Bank · July 2026

Call Report read for The Fort Jennings State Bank in a high-failure state

The Fort Jennings State Bank (FDIC Cert #13209) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #660 of 4,307. Tier 1 capital prints at 12.67%, clearing the 10% well-capitalized line. The Texas Ratio is 0.96%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.62%. Balance-sheet scale is $274M, 2,623rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Northeast Missouri State Bank (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Fort Jennings State Bank

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

The Fort Jennings State Bank sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about The Fort Jennings State Bank's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

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.

0/100100/100National avg77/10092/100
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 Assets

$274M

Total balance-sheet footings

Total Deposits

$237M

Customer-funded liabilities

Net Loans

$200M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.27% 12.67% 14.07%
Basel III capital ratios - The Fort Jennings State Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 15% higher than 85% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. The Fort Jennings State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at The Fort Jennings State Bank

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

What these ratios mean →

Earnings posture at The Fort Jennings State Bank

Return on Assets (ROA)
79th percentile nationally
1.62%
Return on Equity (ROE)
13.85%
Efficiency Ratio
56.98%

What these mean →

Income & expense at The Fort Jennings State Bank

$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.

FDIC Failed Bank List → View The Fort Jennings State Bank on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($274M here), outside Ohio so the neighborhood is not state containment.

State Savings Bank $274M · IA The First National Bank of Ballinger $274M · TX Goodfield State Bank $274M · IL FNB Bank, Inc. $274M · WV

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.

The Fort Jennings State Bank Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
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%