Campbell & Fetter Bank
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Data as of · sourced from FFIEC call reports. How we update
Campbell & Fetter Bank is an FDIC-insured commercial bank headquartered in Kendallville, IN, established in 1863 (FDIC certificate 16757), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $355.0M, up 3.4% from Q2 2025, the 56th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 21.67% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16757
- Headquarters
- Kendallville, IN
- Established
- 1863
- Total assets, Q2 2026
- $355.0M
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 21.67%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 074903544
- Latest call report
- Q2 2026, FFIEC 041 · Campbell & Fetter Bank call report
- Holding company
- C&F BANC SHARES CORP.
- Asset rank in state
- 56th of 87 in Indiana
Campbell & Fetter Bank, based in Kendallville, Indiana, reported $355 million in assets at June 30, 2026, up 3.4% from a year earlier. It holds commercial real estate loans equal to only 15% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $749,000, 38% above the same quarter a year earlier. Over the same year, loans grew 5.4% and deposits grew 15.8%. Its margin is thin by comparison: it keeps 3.33 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Campbell & Fetter Bank reported a CET1 capital ratio of 21.67%, a return on assets of 0.84%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Campbell & Fetter Bank ranks as the 56th largest of the 87 banks based in Indiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $355.0M, loans rose 1.6% and deposits fell 0.3%. 1-4 family residential loans made up 84.8% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 5.5%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in IN; its Kendallville 2 offices book 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Campbell & Fetter Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 126 S Orchard St, Kendallville, IN 46755
- County
- Noble
- Metro Area
- Kendallville, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1863
- Former names
- The Campbell & Fetter Bank (1974)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $285.6M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $355.0M
- Average total loans
- $235.3M
- Average interest-bearing deposits
- $210.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 3, 1949
- FDIC Cert
- 16757
- Fed RSSD
- 398248
- Website
- www.campbellfetterbank.com →
- Parent Holding Company
- C&F BANC SHARES CORP. (RSSD 1203901)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Campbell & Fetter Bank's total assets moved between a low of $338.0M (Q3 2024) and a high of $355.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$355.0M total assets against $343.2M; $319.1M total liabilities against $308.7M.
$236.4M net loans and leases against $224.3M; $285.6M total deposits against $246.6M.
$60.8M securities against $67.0M; $37.9M cash and balances due against $34.2M.
$3.9M total interest income against $3.5M; $1.1M total interest expense against $1.1M.
$2.8M net interest income against $2.4M.
$119K total noninterest income against $165K; $1.9M total noninterest expense against $1.8M.
$42K provision for credit losses against $66K.
$749K net income against $541K.
0.84% return on assets against 0.63%; 3.33% net interest margin against 2.96%.
21.67% CET1 capital ratio against 22.37%; 10.00% tier 1 leverage ratio against 10.19%.
Inside the full Campbell & Fetter Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCampbell & Fetter Bank rankings
Its closest position to the top of a national ranking is 267 of 2,134, for CET1 ratio; its furthest is 3,442 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.33% (Q3 2024) to 0.84% (Q2 2026) and its net interest margin ran from 2.46% (Q3 2024) to 3.33% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.67% | 0.84% | 0.00% | 0.00% | 3.33% |
| Q1 2026 | 21.98% | 0.82% | 0.00% | 0.00% | 3.21% |
| Q4 2025 | 21.89% | 0.50% | 0.00% | 0.00% | 3.09% |
| Q3 2025 | 22.90% | 0.76% | 0.00% | 0.00% | 2.98% |
| Q2 2025 | 22.37% | 0.63% | 0.06% | 0.35% | 2.96% |
| Q1 2025 | 22.20% | 0.61% | 0.00% | 0.01% | 2.77% |
| Q4 2024 | 22.60% | 0.37% | 0.01% | 0.04% | 2.65% |
| Q3 2024 | 22.94% | 0.33% | 0.11% | 0.67% | 2.46% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Campbell & Fetter Bank | Kendallville , IN | 46755 | $131.6M |
| Albion Main Branch | Albion , IN | 46701 | $53.8M |
| Auburn Branch | Auburn , IN | 46706 | $30.2M |
| Ligonier Branch | Ligonier , IN | 46767 | $27.3M |
| Goshen Branch | Goshen , IN | 46526 | $14.2M |
| Angola Branch | Angola , IN | 46703 | $11.0M |
| Warsaw Branch | Warsaw , IN | 46580 | $9.2M |
| C & F Branch North | Kendallville , IN | 46755 | $8.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 31, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 31, 1984 | Structure Change | Acquired The Albion National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IN, rank 77 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 197 applications, 164 loans originated, $41.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Campbell & Fetter Bank
What are Campbell & Fetter Bank's total assets?
As of the Q2 2026 filing, Campbell & Fetter Bank reported total assets of $355.0 million in its FFIEC call report.
Where is Campbell & Fetter Bank headquartered?
It is headquartered in Kendallville, IN, United States.
When was Campbell & Fetter Bank founded?
It was established in 1863, per the FDIC institution directory.
Is Campbell & Fetter Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16757). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Campbell & Fetter Bank?
Campbell & Fetter Bank's primary federal regulator is the FDIC.
What is Campbell & Fetter Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.67% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Campbell & Fetter Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Campbell & Fetter Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Campbell & Fetter Bank previously called?
The charter now named Campbell & Fetter Bank has also operated as The Campbell & Fetter Bank (1974), per FDIC structure-change records.
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