BlastPoint's Banking Scorecard
The Fountain Trust Company
Covington, IN
20 branches across IN · IL
The Fountain Trust Company has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.38% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 67.9% in tier
- - Cost Spiral: Bottom 91.3% in tier
- - Net Interest Margin 0.13% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$854.7M
+26.0% YoY
+26.4% QoQ
|
+$468.6M |
$386.1M
+0.5% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
Top 5.6% in tier |
| Total Loans ? |
$500.6M
+45.5% YoY
+36.8% QoQ
|
+$244.9M |
$255.7M
+1.1% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
Top 11.0% in tier |
| Total Deposits ? |
$757.3M
+23.1% YoY
+25.0% QoQ
|
+$429.4M |
$328.0M
+0.1% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
Top 4.4% in tier |
| Return on Assets ? |
1.08%
-21.7% YoY
-14.2% QoQ
|
-0.18% |
1.27%
+12.9% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
3.80%
+1.4% YoY
-2.8% QoQ
|
-0.13% |
3.93%
+6.0% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
68.15%
+16.5% YoY
+8.9% QoQ
|
+2.86% |
65.29%
-4.5% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
0.51%
-37.0% YoY
-16.3% QoQ
|
-0.38% |
0.89%
+18.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
66.10%
+18.2% YoY
+9.4% QoQ
|
-10.53% |
76.64%
+0.8% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
28.68%
+8.3% YoY
+15.1% QoQ
|
+6.66% |
22.02%
-1.0% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.30%
-27.3% YoY
-9.5% QoQ
|
-0.34% |
0.64%
+19.7% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
15.69%
-11.4% YoY
-13.4% QoQ
|
-0.14% |
15.83%
+1.5% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.15%
-10.2% YoY
-78.2% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
72% |
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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)
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.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.