Side-by-side · Q2 2026 data
The Citizens National Bank of Bluffton vs The Fort Jennings State Bank
Metric by metric
| Measure | The Citizens National Bank of Bluffton | The Fort Jennings State Bank |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 60 | 77 (stronger) |
| Loan quality | 78 (stronger) | 64 |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 29 | 77 (stronger) |
| Problem-loan coverage | 90 (stronger) | 89 |
| Peer percentile | 63rd | 61st |
| Total assets | $1.1B | $285.8M |
| Deposits / shares | $863.6M | $247.2M |
| Capital ratio | 11.02% | 12.71% (stronger) |
| Problem loans | 0.66% (stronger) | 1.09% |
| Net charge-offs | -0.00% (stronger) | 0.05% |
| Return on assets | 2.45% (stronger) | 1.42% |
| Loans ÷ deposits | 100.7% | 83.2% (stronger) |
| Uninsured deposits | 42.9% | 11.4% (stronger) |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
The Fort Jennings State Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Bluffton leads on 3 and The Fort Jennings State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.