Side-by-side · Q2 2026 data
The Fountain Trust Company vs First State Bank of Middlebury
Metric by metric
| Measure | The Fountain Trust Company | First State Bank of Middlebury |
|---|---|---|
| TellerScore | 69 (stronger) | 67 |
| Capital cushion | 50 | 84 (stronger) |
| Loan quality | 79 (stronger) | 48 |
| Earnings | 62 | 84 (stronger) |
| Funding & liquidity | 85 (stronger) | 35 |
| Problem-loan coverage | 94 (stronger) | 81 |
| Peer percentile | 40th | 34th |
| Total assets | $844.6M | $836.2M |
| Deposits / shares | $744.1M | $651.3M |
| Capital ratio | 9.99% | 13.37% (stronger) |
| Problem loans | 0.63% (stronger) | 1.55% |
| Net charge-offs | 0.09% | -0.00% (stronger) |
| Return on assets | 1.04% | 1.59% (stronger) |
| Loans ÷ deposits | 69.0% (stronger) | 99.5% |
| Uninsured deposits | 20.7% (stronger) | 37.8% |
| Offices | 20 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.8% | 5.7% |
The Fountain Trust Company has the higher TellerScore (69 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Fountain Trust Company leads on 4 and First State Bank of Middlebury on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.