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The Fountain Trust Company
Covington, IN · FDIC Certificate #5768 · Chartered 01/0
Total assets
$844.62M
Total deposits
$744.13M
Total equity
$95.97M
Net loans
$513.61M
Branches (offices)
20
Net income (YTD)
$4.12M
Rank: #1,196 of 4,213 U.S. banks by assets · #25 of 87 in Indiana. Assets changed 26.2% and deposits 23.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 9.62% |
| Net interest margin (YTD) | 4.23% |
| Equity to assets | 11.36% |
| Tier 1 leverage ratio | 9.99% |
| Uninsured deposits (share of deposits) | 20.7% |
| Noncurrent loans (share of loans) | 0.63% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 69.0% |
| Real estate loans (share of loans) | 73.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $379.76M | 73.9% | |
| Commercial & industrial | $67.80M | 13.2% | |
| Consumer / individual | $5.39M | 1.0% | |
| Construction & development | $12.92M | 2.5% | |
| Agricultural | $62.70M | 12.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $674.87M | $540.33M | $3.39M | $55.99M |
| Jun 2023 | $696.63M | $534.64M | $2.97M | $50.77M |
| Jun 2024 | $645.64M | $586.18M | $3.78M | $56.88M |
| Jun 2025 | $669.50M | $604.16M | $4.62M | $61.94M |
| Jun 2026 | $844.62M | $744.13M | $4.12M | $95.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $588.05M | 16 |
| Illinois | $156.08M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $744.13M.
Similar-sized banks
Bankiowa ($846.17M) · Carolina Bank & Trust Co. ($844.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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