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Fountain Trust Company, The

Covington, IN · Cert 5768 · Piper Holdings Inc.

State charter, non-member · FDIC · 20 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fountain Trust Company, The

Covington, IN · Cert 5768 · Piper Holdings Inc.

State charter, non-member · FDIC · 20 branches

Q2 2026

$844.6MAssets
$521.4MLoans
$744.1MDeposits
$96.0MEquity
Loan mix
85%RE $377.8M14%C&I $61.3M1%Consumer $6.2MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $598.5M20%Noninterest $145.7MQ2 2025Q2 2026

NIM

5.67%Q2 ’244.81%Q2 ’254.58%Q2 ’26-11%+3%

Non-interest income vs. expense

3.09%Q2 ’242.54%Q2 ’253.01%Q2 ’26-24%+27%

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 1.6% share · #14 of 33 inst. · $0.1B of $8.7B

51.4% Fountain
1.8% Champaign
10.9% White
9.2% Montgomery

Executive Summary

  • Earnings: ROA of 1.04%, down 33 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.63% of loans (+15 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.99%, down 44 bps from a year ago.
  • Funding: loans stand at 70.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%-33 bps YoY

Net Interest Margin (YTD, annualized)

3.71%+12 bps YoY

Efficiency Ratio (YTD, annualized)

69.64%+998 bps YoY

Tier 1 Leverage Ratio

9.99%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.34%1.26%1.08%1.04%-33 bps
Return on Equity15.60%14.80%13.69%10.31%9.62%-598 bps
Net Interest Margin3.59%3.58%3.61%3.26%3.71%+12 bps
Efficiency Ratio59.66%60.25%62.59%68.15%69.64%+998 bps
Non-Interest Burden1.88%1.90%2.02%2.02%2.39%+51 bps
Growth
Asset Growth (YoY)3.69%1.05%0.85%26.01%26.16%+2,246 bps
Loan Growth (YoY)3.58%1.27%4.33%45.37%44.01%+4,043 bps
Deposit Growth (YoY)3.07%0.45%-0.84%23.13%23.17%+2,010 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.77%0.60%0.50%0.63%+15 bps
Net Charge-Offs / Loans-0.02%0.00%0.01%0.01%0.08%+10 bps
Allowance / Loans1.59%1.59%1.55%1.53%1.49%-9 bps
Allowance Coverage of NPLs3.4x2.1x2.6x3.1x2.4x-1.0x
Capital
Tier 1 Leverage Ratio10.43%10.66%10.65%9.81%9.99%-44 bps
Total Risk-Based Capital19.07%19.59%19.37%16.94%16.75%-232 bps
Equity / Assets9.25%9.81%9.91%11.00%11.36%+211 bps
Liquidity & Funding
Loans / Deposits59.92%59.75%61.36%67.13%70.07%+1,014 bps
Liquid Assets / Assets8.66%10.08%8.96%8.33%5.55%-310 bps
CRE / Total Capitaln/a155.09%161.41%149.63%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Fountain Trust Company, The

Covington, IN · Cert 5768 · Peer group: banks under $1B in assets (n=581-629) · Piper Holdings Inc.

State charter, non-member · FDIC · 20 branches

Q2 2026

$844.6MAssets
$521.4MLoans
$744.1MDeposits
$96.0MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 66% of banks under $1B in assets (rank 217 of 629).
  • Widest gap: net charge-offs / loans trails 71% of banks under $1B in assets (rank 415 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.98%

Rank 333 of 629

Net Interest Margin

3.71%

Rank 266 of 629

Efficiency Ratio

71.05%

Rank 368 of 629

Equity / Assets

11.36%

Rank 266 of 629

Non-interest income vs. expense

$5.4M$25.8MINCOMEEXPENSE
Unfavorable gap of $20.5M · efficiency ratio beats 42% of banks under $1B in assets
Bank 71.05%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.98%0.60%1.01%1.45%Beats 47%333 / 629
Return on Equity8.59%5.38%9.30%13.28%Beats 44%351 / 629
Net Interest Margin3.71%3.03%3.54%4.05%Beats 58%266 / 629
Efficiency Ratio71.05%58.35%67.79%79.08%Beats 42%368 / 629
Asset Quality
Nonperforming Loans / Loans0.63%0.09%0.46%1.20%Beats 42%338 / 581
Net Charge-Offs / Loans0.05%n/a0.01%0.06%Beats 29%415 / 581
Capital
Tier 1 Capital Ratio15.50%11.24%13.84%18.77%Beats 63%234 / 629
Total Risk-Based Capital Ratio16.75%11.58%14.43%19.66%Beats 66%217 / 629
Equity / Assets11.36%9.09%10.65%13.80%Beats 58%266 / 629
Liquidity & Funding
Loans / Deposits70.07%67.24%80.90%93.48%31st pctl411 / 594
Loans / Assets61.73%53.31%67.71%78.15%38th pctl392 / 629
Brokered Deposits / Depositsn/aNot reported for this institution