TellerScore

The Fountain Trust Company (FDIC certificate #5768) is based in Covington, Indiana. Its Q2 2026 call report shows $844.6M in total assets and $744.1M in deposits and 20 offices across 2 states.

Based on its Q2 2026 filing, The Fountain Trust Company scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 34th. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is capital cushion (50/100; 9.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.99%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 69.0% · 20.7% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.14%

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 fell 6 points (75 → 69), mostly because the earnings component weakened by 13 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202469
Q1 202572
Q2 202575
Q3 202573
Q4 202574
Q1 202671
Q2 202669
Tier 1 leverage ratio
5.00%7.84%10.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.30%
Q3 202410.69%
Q4 20249.77%
Q1 202510.06%
Q2 202510.43%
Q3 202510.66%
Q4 202510.65%
Q1 20269.81%
Q2 20269.99%
Noncurrent loans
0.47%0.63%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.75%
Q3 20240.79%
Q4 20240.75%
Q1 20250.79%
Q2 20250.47%
Q3 20250.77%
Q4 20250.60%
Q1 20260.50%
Q2 20260.63%
Return on assets
1.04%1.21%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.12%
Q3 20241.17%
Q4 20241.12%
Q1 20251.39%
Q2 20251.37%
Q3 20251.34%
Q4 20251.26%
Q1 20261.08%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$844.6M9.99%0.63%1.04%69.0%
Q1 202671$854.7M9.81%0.50%1.08%66.1%
Q4 202574$675.9M10.65%0.60%1.26%60.4%
Q3 202573$673.4M10.66%0.77%1.34%58.8%
Q2 202575$669.5M10.43%0.47%1.37%59.0%
Q1 202572$678.3M10.06%0.79%1.39%55.9%
Q4 202469$670.2M9.77%0.75%1.12%57.4%
Q3 202472$666.5M10.69%0.79%1.17%58.4%
Q2 202470$645.6M10.30%0.75%1.12%58.7%

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 ratio9.99%
31st
Total risk-based capital16.75%
77th
Problem loans0.63%
40th
Net charge-offs0.09%
21st
Return on assets1.04%
36th
Net interest margin4.23%
67th
Efficiency ratio69.6%
31st
Loans to deposits69.0%
71st
Uninsured deposits20.7%
62nd
Loan-loss reserves1.49%
78th
Texas ratio3.1%
47th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of MiddleburyBank Middlebury, IN67 out of 100, Moderate$836.2M13.4%1.55%vs
FCN Bank, National AssociationBank Brookville, IN73 out of 100, Strong$812.5M9.9%0.02%vs
The New Washington State BankBank New Washington, IN60 out of 100, Moderate$798.1M9.3%0.83%vs
Citizens State Bank of New Castle, IndianaBank New Castle, IN70 out of 100, Strong$908.8M10.5%0.40%vs
State BankBank Brownsburg, IN71 out of 100, Strong$916.1M11.9%0.13%vs
The North Salem State BankBank North Salem, IN64 out of 100, Moderate$769.6M9.0%0.67%vs

Deposit insurance

Is my money safe at The Fountain Trust Company?

Yes. The Fountain Trust Company is an FDIC-insured institution (FDIC certificate #5768). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.7% of deposits ($154.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.75% (benchmark: 10%).

Check how much of your own balance is covered

20 locations

Branches

The Fountain Trust Company lists 20 offices in 18 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Fountain Trust Company reported 282 home-loan applications under HMDA (LEI 549300BM59EMYEJ5Q179): 162 originated ($33,870,000 total), 65 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.8%, 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 Fountain Trust Company
Type
State-chartered bank
FDIC certificate #
5768
RSSD ID
145844
Primary regulator
FDIC
Holding company
Piper Holdings Inc
Established
January 1, 1903
Headquarters
615 3rd St, Covington, IN 47932
Employees
153

Quick answers

The Fountain Trust Company: common questions

Is The Fountain Trust Company FDIC insured?

Yes. The Fountain Trust Company is an FDIC-insured institution (FDIC certificate #5768). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Fountain Trust Company's TellerScore?

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

Has The Fountain Trust Company ever failed?

There is no failure record for FDIC certificate #5768 in the FDIC failed bank list.

How many branches does The Fountain Trust Company have?

20 offices as of the latest FDIC data, in 2 states.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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