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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