TellerScore

The Campbell & Fetter Bank is a state-chartered bank headquartered in Kendallville, Indiana, in business for about 163 years. At the end of Q2 2026 it reported $355.0M in total assets and $285.6M in deposits, with 8 offices.

Based on its Q2 2026 filing, The Campbell & Fetter Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 28th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (50/100; 10.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.00%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 82.8% · 22.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (69 → 71), mostly because the earnings component improved by 8 points.

TellerScore
677072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202468
Q1 202570
Q2 202569
Q3 202571
Q4 202570
Q1 202672
Q2 202671
Tier 1 leverage ratio
5.00%7.60%10.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.09%
Q3 202410.07%
Q4 202410.11%
Q1 202510.11%
Q2 202510.19%
Q3 202510.20%
Q4 202510.10%
Q1 202610.15%
Q2 202610.00%
Noncurrent loans
0.00%0.05%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.11%
Q4 20240.01%
Q1 20250.00%
Q2 20250.06%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.28%0.56%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.28%
Q3 20240.30%
Q4 20240.32%
Q1 20250.61%
Q2 20250.62%
Q3 20250.67%
Q4 20250.62%
Q1 20260.82%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$355.0M10.00%0.00%0.83%82.8%
Q1 202672$353.4M10.15%0.00%0.82%81.3%
Q4 202570$354.8M10.10%0.00%0.62%80.9%
Q3 202571$348.3M10.20%0.00%0.67%78.8%
Q2 202569$343.2M10.19%0.06%0.62%91.0%
Q1 202570$345.2M10.11%0.00%0.61%86.4%
Q4 202468$341.2M10.11%0.01%0.32%87.9%
Q3 202467$338.0M10.07%0.11%0.30%84.2%
Q2 202468$338.6M10.09%0.07%0.28%80.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.00%
31st
Total risk-based capital22.90%
91st
Problem loans0.00%
94th
Net charge-offs-0.01%
88th
Return on assets0.83%
25th
Net interest margin3.29%
19th
Efficiency ratio65.0%
42nd
Loans to deposits82.8%
44th
Uninsured deposits22.9%
53rd
Loan-loss reserves0.83%
12th
Texas ratio0.0%
95th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Hoosier Heartland State BankBank Crawfordsville, IN63 out of 100, Moderate$356.3M8.7%0.63%vs
Mutual Savings BankBank Franklin, IN71 out of 100, Strong$352.9M10.2%0.00%vs
Bath State BankBank Bath, IN60 out of 100, Moderate$337.6M8.8%0.78%vs
American Community Bank of IndianaBank Saint John, IN43 out of 100, Below average$383.0M9.8%2.33%vs
The Riddell National BankBank Brazil, IN59 out of 100, Moderate$384.3M8.5%0.92%vs
The Peoples BankBank Brownstown, IN64 out of 100, Moderate$323.8M9.3%0.81%vs

Deposit insurance

Is my money safe at The Campbell & Fetter Bank?

Yes. The Campbell & Fetter Bank is an FDIC-insured institution (FDIC certificate #16757). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.9% of deposits ($65.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.90% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

The Campbell & Fetter Bank lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Campbell & Fetter Bank reported 197 home-loan applications under HMDA (LEI 549300M20N1NQO7LMK11): 164 originated ($41,880,000 total), 14 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Campbell & Fetter Bank
Type
State-chartered bank
FDIC certificate #
16757
RSSD ID
398248
Primary regulator
FDIC
Holding company
C&f Banc Shares Corp
Established
January 1, 1863
Headquarters
126 S Orchard St, Kendallville, IN 46755
Employees
61

Quick answers

The Campbell & Fetter Bank: common questions

Is The Campbell & Fetter Bank FDIC insured?

Yes. The Campbell & Fetter Bank is an FDIC-insured institution (FDIC certificate #16757). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Campbell & Fetter Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Campbell & Fetter Bank ever failed?

There is no failure record for FDIC certificate #16757 in the FDIC failed bank list.

How many branches does The Campbell & Fetter Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Kendallville

InstitutionScoreAssetsCapitalProblem loansCompare
Weatherhead C C Federal Credit UnionCredit union Columbia City, IN88 out of 100, Very strong$25.0M13.7%0.95%vs
First Federal Savings Bank of AngolaBank Angola, IN86 out of 100, Very strong$137.3M23.3%0.00%vs
Profed Federal Credit UnionCredit union Fort Wayne, IN82 out of 100, Strong$763.5M13.2%0.47%vs
Midwest America Federal Credit UnionCredit union Fort Wayne, IN79 out of 100, Strong$1.0B14.8%0.90%vs
Three Rivers Federal Credit UnionCredit union Fort Wayne, IN78 out of 100, Strong$2.9B13.9%1.47%vs
Farmers State BankBank Lagrange, IN78 out of 100, Strong$1.3B10.8%0.02%vs