The Fountain Trust Company
Covington, IN·RSSD 145844·FDIC 5768·bank:145844·Risk-based ratios where reported
- #26 of 89Total assets in Indiana
- 20offices
- 153employees
- Top 1%C&I loan growth in the U.S.
- #1 of 86Loan growth in Indiana
- #1 of 85Deposit growth in Indiana
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at The Fountain Trust Company
8 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Commercial lending growing with steady creditStrength: Lending FORFI signal+93.9%peers +2.3%+91.6 pp
The Fountain Trust Company's C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +93.9% | +2.3% | +91.6 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Fountain Trust Company itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter70.1%+10.1 pp in 12 months
The Fountain Trust Company's loans rose to 70.1% of deposits, 10.1 percentage points higher than a year earlier, while cash fell to 6.6% of assets. The median change in the loan-to-deposit ratio among 1435 similar banks was +0.9 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 70.1% | +10.1 pp in 12 months |
| Cash / assets | |
| 6.6% | -3.1 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Fountain Trust Company itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency 2nd quarter72.5%peers 60.8%+11.7 pp
The Fountain Trust Company's efficiency ratio rose 11.3 percentage points over the past year to 72.5%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 72.5% | 60.8% | +11.7 pp |
| 12-month change | ||
| +11.3 pp | -2.1 pp | +13.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Fountain Trust Company itself is left out of every peer median and percentile. How signals work
Noninterest-bearing deposit share falling faster than peersWorth a look: Funding19.6%peers 20.5%-1.0 pp
The Fountain Trust Company's share of deposits that pay no interest fell 5.9 percentage points over the past year to 19.6%. Among 1432 similar banks, the median fell 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 19.6% | 20.5% | -1.0 pp |
| 12-month change | ||
| -5.9 pp | -0.1 pp | -5.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Fountain Trust Company itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+26.2%peers +4.7%+21.5 pp
The Fountain Trust Company's total assets grew 26.2% over the past year to $845 million. The median among 1437 similar banks was +4.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +26.2% | +4.7% | +21.5 pp |
| Total assets | ||
| $845 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Fountain Trust Company itself is left out of every peer median and percentile. How signals work
3 more observations
- Loans growing faster than peersLending
- C&I lending growing faster than peersLending
- Deposits growing faster than peersFunding
Key facts
- The Fountain Trust Company is a bank headquartered in Covington, Indiana. It reported $845 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $744 million, up 23.2% from a year earlier, and loans totaled $521 million, up 44.0%.
- Its net interest margin was 4.49% and its annualized return on assets was 0.97% for the quarter.
- Its cost of all deposits was 1.17%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With The Fountain Trust Company's own data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
Analysis workspaces
Sources and identifiers
- Institution
- The Fountain Trust Company · Bank
- Federal Reserve RSSD
- 145844
- FDIC certificate
- 5768
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Fountain Trust Company itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $2.05M | — | |
| $10.93M | — | |
| $2.19M | — | |
| $8.75M | — | |
| $1.45M | — | |
| $7.39M | — | |
| $196K | — | |
| $196K | — | |
| 0.97% | 0.96%ROAQ · Quarter | |
| 4.49% | 4.48%NIMYQ · Quarter | |
| 72.47% | 70.81%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.