FOUNTAIN TRUST COMPANY, THE
FOUNTAIN TRUST COMPANY, THE is an FDIC-insured commercial bank headquartered in COVINGTON, IN, established in 1903. As of , the bank reported total assets of $676M and total deposits of $606M. Profitability stands at 1.04% ROA and 10.50% ROE, with a net interest margin of 3.90%. CET1 capital ratio: 18.12%, well above regulatory minimums. NPL ratio: 0.60% · Texas Ratio: 3.06%. Operates 16 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Fountain Trust Company, the rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 18.12% | 1.04% | 0.60% | 3.06% | 3.90% |
| 2025-09-30 | 18.34% | 1.28% | 0.77% | 3.87% | 3.75% |
| 2025-06-30 | 17.82% | 1.36% | 0.47% | 2.52% | 3.84% |
| 2025-03-31 | 17.70% | 1.39% | 0.79% | 4.23% | 3.62% |
| 2024-12-31 | 16.85% | 0.97% | 0.75% | 4.33% | 3.70% |
| 2024-09-30 | 17.75% | 1.30% | 0.79% | 4.18% | 3.55% |
| 2024-06-30 | 17.49% | 1.60% | 0.70% | 4.01% | 4.91% |
| 2024-03-31 | 16.74% | 0.62% | 0.68% | 4.16% | 3.14% |
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Frequently asked about FOUNTAIN TRUST COMPANY, THE
What are Fountain Trust Company, the's total assets?
As of the Q4 2025 filing, Fountain Trust Company, the reported total assets of $675.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Fountain Trust Company, the headquartered?
Fountain Trust Company, the is headquartered in COVINGTON, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Fountain Trust Company, the founded?
Fountain Trust Company, the was established in 1903, per the FDIC institution directory.
Is Fountain Trust Company, the FDIC-insured?
Yes. Fountain Trust Company, the is an FDIC-insured commercial bank (FDIC Certificate #5768). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fountain Trust Company, the?
Fountain Trust Company, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Fountain Trust Company, the's CET1 capital ratio?
Fountain Trust Company, the reported a Common Equity Tier 1 (CET1) capital ratio of 18.12% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Fountain Trust Company, the operate?
Fountain Trust Company, the operates 16 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Fountain Trust Company, the's Texas Ratio?
Fountain Trust Company, the's Texas Ratio is 3.06% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.