# FORT JENNINGS STATE BANK
FORT JENNINGS, OH · FDIC certificate 13209 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $285.8M | |
| Deposits | $247.2M | |
| Loans and leases | $211.2M | |
| Total equity | $35.1M | |
| Loans / deposits | 83.15% (p67 of band) | 73.59% |
| Liquid assets / assets | 21.35% (p25 of band) | |
| Uninsured deposits / deposits | 11.39% (p18 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.71% (p60 of band) | 11.76% |
| Unrealized securities loss / equity | -5.13% (p56 of band) | -6.57% |
| AOCI / equity | -0.37% (p51 of band) | |
| ROA (annualized) | 1.42% (p64 of band) | 1.17% |
| Net interest margin | 4.75% (p84 of band) | 3.93% |
| Efficiency ratio | 58.16% (p31 of band) | |
| Noncurrent loans | 1.09% (p72 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p78 of band) | |
| Reserve coverage of noncurrent | 244.32% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 26.36% (p61 of band) | |
| Auto loans | $5.3M (2.49% of loans; DQ 2.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 45 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | charge-offs p90 |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | liquid assets <10%, charge-offs p90 |  |
| 2018-09 | 0 |  | liquid assets <10%, charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 | uninsured deposits leaving | capital falling |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-02-22 [Roger J. Trentman Obituary Feb 22, 2025 - Love-Heitmeyer Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBpT0loTGxMWEtCN1VUT0N5SHpPUU1TSHZXWDhnUkw2NHRULUhrOGF1enFSSVNHVFRIRWRhSks4NXlVODdXQUllT2VYU2pGVTUxbGgxV1Rna05ueWxWd2FINl9GOWhLZw?oc=5) · Love-Heitmeyer Funeral Home
- 2026-07-28 [Putnam County court records, July 20-23 - LimaOhio.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNbXlyU1JlZktlb09oZHNqaVBRdFZLTDJkYnN2MU5Xcjdaa2hOREVZXy1nblQzMy1sMm1za2JjYm5ZdzE2cmZ6LVVhQ3Y5ZzlXRHd1MjdBM2dYZkJaMFI0ckZCeFBtTGhJNGdkNjlxNjVrLVFqeHJsb3RYOWt4Q283UzZrRkZuTUwzeDhYVTQ2OFE?oc=5) · LimaOhio.com
- 2019-01-06 [Continental Branch of Huntington Bank Will Close January 8th - Continental eNews](https://news.google.com/rss/articles/CBMiogFBVV95cUxQdXQzTWs3TDVmTEZFNExYbWFZcXYwd251X2dkTmdHWU5pUElTUFJqdUdTbTFsRTA5VnRpLVVhQU5sSU9FVy1PY1haZ3VWX0ZQY1dLaURiWFhzZUlLM2x6a2ttX3dvVUppUEFsVkZ2XzJFMnVvZzFNZGZaelAwd1NiUTlPVkhrcHpQenphOEo4aWpJVGlmdUY4eFdzUmxWbGRDaWc?oc=5) · Continental eNews
- 2018-03-15 [Dylan Benroth Obituary - Lima, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE5nMHNEdFRyc2ZpV29tZjQxdW9kZHZqeC1feWFIODg2bVV5ZzdXQUZsSFRlbF92MHpyWUpEX3htLVNVZ1VSaGxBaHpiMzZkYmhCR0ZJc2xsRlp0OTRZTHVUa1QxS3NfSEtDU0Q2TXJlZEVYZzRiQ210Qm80NjY?oc=5) · Dignity Memorial
- 2025-12-28 [Norman G. Kahle Obituary May 4, 2015 - Love-Heitmeyer Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBiXzQwRnEtY2pxLTJXenRadTJHT2U0dDVSTE92cE1UclJ1NE5wcEoxTFRsWGpnQkxGMzR0WjNCX3lHWmRLaVlreDlQbm1kYlg5S2ZSZWdUdXJRakp4R2hMT3ZNRQ?oc=5) · Love-Heitmeyer Funeral Home
- 2026-08-04 [Carol Hoersten Obituary (1960 - 2026) - Ottoville, OH - Putnam County Sentinel - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQNnVNb0lXSkFJdkJjek5DTGgzWkFJelJrUWhNOGhBMVZEYmpjNlN1SEYyMmh3SllvbFd5a1RxUjJvTnVHZlNLZVgydWpvZk1aalp4STJnbi1pbXlTaUVYMlI1Yjh2amNiWmRFMGhWSk5fbXdTQ0l4WEJ4di1aQld6ZU9wN002MUI4SzdNeVJpek9PTExhSXRn?oc=5) · legacy.com
- 2022-02-02 [Danielle "Dani" C. (Selhorst) Tayler Obituary Feb 2, 2022 - Love-Heitmeyer Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE96NDRqZ0staFd4S2pJeU13VnIzNW5DZkNicVVjcFEzMFJXTjNrY3N1d3lJNTkxWGkxcUVYWDQ0UWZqRW5FMFNBZ05Oc0lLS3AzbkJiajh1MlJoejc5eVhienNhVk5pc1NKT3pCM09ra05zcG9tYmc?oc=5) · Love-Heitmeyer Funeral Home
- 2022-03-21 [Jennifer Honigford Obituary (1988 - 2022) - Fort Jennings, OH - The Lima News - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQbVVDdnhJdTVLOWR2dlZRaC1ZanVXZ1JKbUgtQ0Ffb2dTZktMWklWU1l0VHFWS2hjTUtULVhxVGhCNVJUTVNfd0JOMDhRMUJNeUV3SGZkblJqLTVxZFU1V29nX0xOVnVfYWNJckFubzFGaW42ZmlBRkhmemRQM0ROYkJiY2NZb0hyNldyek13dGRKLXZP?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13209 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "13209", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide