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
Unfavorable gap of $20.5M · efficiency ratio beats 42% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.60% | 1.01% | 1.45% | Beats 47% | 333 / 629 | |
| Return on Equity | 8.59% | 5.38% | 9.30% | 13.28% | Beats 44% | 351 / 629 | |
| Net Interest Margin | 3.71% | 3.03% | 3.54% | 4.05% | Beats 58% | 266 / 629 | |
| Efficiency Ratio | 71.05% | 58.35% | 67.79% | 79.08% | Beats 42% | 368 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.09% | 0.46% | 1.20% | Beats 42% | 338 / 581 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 29% | 415 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 15.50% | 11.24% | 13.84% | 18.77% | Beats 63% | 234 / 629 | |
| Total Risk-Based Capital Ratio | 16.75% | 11.58% | 14.43% | 19.66% | Beats 66% | 217 / 629 | |
| Equity / Assets | 11.36% | 9.09% | 10.65% | 13.80% | Beats 58% | 266 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 70.07% | 67.24% | 80.90% | 93.48% | 31st pctl | 411 / 594 | |
| Loans / Assets | 61.73% | 53.31% | 67.71% | 78.15% | 38th pctl | 392 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |