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The Fountain Trust Company

$100M-$1B Specialty: Agricultural IN FDIC cert 5768

Covington, IN

20 branches across IN · IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits +23.2% year over year ($744.1M on the books).
  • Delinquency rate 0.64%.
  • Return on assets 1.04%.
  • Efficiency ratio 69.64% vs a 64.48% peer average.
  • Loan-to-deposit ratio 69.02% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

The Fountain Trust Company has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.25% above tier average
  • + Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 37.5% in tier
  • - NIB Deposit Bleed: Bottom 38.3% in tier
  • - Margin Compression: Bottom 63.2% in tier
  • - Efficiency Ratio 5.16% above tier average
Get updates when The Fountain Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $844.6M
+26.2% YoY -1.2% QoQ
+$458.0M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
Top 5.8% in tier
Total Loans ? $513.6M
+44.2% YoY +2.6% QoQ
+$255.3M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
Top 10.3% in tier
Total Deposits ? $744.1M
+23.2% YoY -1.7% QoQ
+$417.4M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
Top 4.6% in tier
Return on Assets ? 1.04%
-24.3% YoY -4.0% QoQ
-0.28% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 4.23%
+9.9% YoY +11.4% QoQ
+0.25% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 69.64%
+16.7% YoY +2.2% QoQ
+5.16% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.64%
+32.4% YoY +24.9% QoQ
-0.28% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 69.02%
+17.0% YoY +4.4% QoQ
-8.93% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
71%
Non-Interest-Bearing Deposit Share ? 19.57%
-23.2% YoY -31.7% QoQ
-2.46% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.39%
+51.3% YoY +29.7% QoQ
-0.28% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 15.50%
-13.0% YoY -1.2% QoQ
-0.41% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.32%
-4.9% YoY +119.1% QoQ
-0.25% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
75%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 19.6%
-5.9pp YoY
-9.1pp QoQ
 -2.6pp 22.1% 16.8% 22.2% 43%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 13.2%
+3.4pp YoY
+1.0pp QoQ
 +1.6pp 11.6% 11.1% 12.5% 69%
CRE 23.0%
-8.9pp YoY
-1.3pp QoQ
 -16.5pp 39.5% 36.2% 41.4% 23%
1-4 Family 32.4%
+3.4pp YoY
+0.4pp QoQ
 -0.3pp 32.6% 40.0% 31.3% 56%
Consumer 1.0%
-0.1pp YoY
-0.2pp QoQ
 -3.1pp 4.1% 3.2% 5.0% 30%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 15.5%
-2.3pp YoY
-0.2pp QoQ
 -3.3pp 18.8% 17.5% 19.7% 54%
Leverage Ratio 10.0%
-0.4pp YoY
+0.2pp QoQ
 -2.2pp 12.2% 13.0% 12.6% 31%
Total Capital Ratio 16.7%
-2.3pp YoY
-0.2pp QoQ
 -3.2pp 19.9% 18.7% 20.8% 55%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 153
+19 (+14.2%) YoY
+4 (+2.7%) QoQ
 +94 58 237 482 98%
Assets per Employee ($) $5.5M
+10.5% YoY
-3.8% QoQ
 -$2.0M $7.5M $7.5M $8.8M 23%
Branch Count 20
+4 (+25.0%) YoY
0 QoQ
 +15 4 17 18 100%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.6%
+0.2pp YoY
+0.2pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 59%
Allowance Coverage 2.39x
-29.1% YoY
-22.0% QoQ
 -21.77x 24.15x 6.71x 20.23x 52%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 75%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 9.6%
-6.0pp YoY
-0.7pp QoQ
 -2.6pp 12.2% 11.2% 11.6% 34%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.8% 1.7% 15%
Net Income ($, YTD) $4.1M
-10.9% YoY
— QoQ
 +$1.6M $2.6M $16.3M $40.4M 81%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk
#472 of 1256 • Bottom 37.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.64%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

NIB Deposit Bleed

decline
#63 of 162 • Bottom 38.3% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 19.57%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Margin Compression

decline
#195 of 307 • Bottom 63.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.04%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

122
Total Deposits
size
Value: $744.13M
Peer Median: $326.73M
#122 of 2643 Top 4.6% in $100M-$1B
154
Total Assets
size
Value: $844.62M
Peer Median: $386.57M
#154 of 2643 Top 5.8% in $100M-$1B
274
Total Loans
size
Value: $513.61M
Peer Median: $258.35M
#274 of 2643 Top 10.3% in $100M-$1B
658
Non-Interest Income / Assets
revenue_mix
Value: 0.32%
Peer Median: 0.57%
#658 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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