BlastPoint's Banking Scorecard
The Fort Jennings State Bank
Fort Jennings, OH
7 branches across OH
The Fort Jennings State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.92% above tier average
- + ROA 0.21% above tier average
- + Efficiency Ratio 7.12% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 16.7% in tier
- - Margin Compression: Bottom 62.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$278.4M
+3.9% YoY
+1.5% QoQ
|
-$107.7M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$200.2M
+2.1% YoY
+0.3% QoQ
|
-$55.5M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
49% |
| Total Deposits ? |
$240.9M
+2.9% YoY
+1.6% QoQ
|
-$87.1M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
1.48%
-7.7% YoY
-8.6% QoQ
|
+0.21% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
4.86%
-2.3% YoY
-4.9% QoQ
|
+0.92% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 9.5% in tier |
| Efficiency Ratio ? |
58.17%
+4.3% YoY
+2.1% QoQ
|
-7.12% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
0.92%
+58.1% YoY
+388.9% QoQ
|
+0.03% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
83.11%
-0.8% YoY
-1.2% QoQ
|
+6.47% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
27.64%
+4.9% YoY
-0.5% QoQ
|
+5.62% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.66%
+37.2% YoY
+383.0% QoQ
|
+0.02% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
12.77%
+6.0% YoY
+0.8% QoQ
|
-3.06% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.07%
+2.2% YoY
-76.6% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
30% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.