The Fountain Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 3.9% in Q2 2026 to $45.8M, the biggest move on this page. The Fountain Trust Company ranks 11th of 50 Indiana banks on CET1 ratio, in the upper half at 15.50% (Q2 2026). At 15.50%, The Fountain Trust Company's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.50% |
| Tier 1 risk-based capital ratio | 15.50% |
| Total risk-based capital ratio | 16.75% |
| Tier 1 leverage ratio | 9.99% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $83.4M |
| Tier 1 capital | $83.4M |
| Total risk-based capital | $90.2M |
| Total equity capital | $96.0M |
| Risk-weighted assets | $538.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.36% |
| Tangible equity to tangible assets | 8.94% |
| Equity capital to average assets | 11.19% |
| Internal capital growth rate | 7.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $242K |
| Common stock surplus | $60.1M |
| Retained earnings | $45.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.89% | 16.89% | 18.14% | 9.91% | $398.3M |
| Q4 2023 | 16.73% | 16.73% | 17.98% | 9.71% | $389.0M |
| Q1 2024 | 16.74% | 16.74% | 17.99% | 9.74% | $393.4M |
| Q2 2024 | 17.49% | 17.49% | 18.74% | 10.30% | $390.7M |
| Q3 2024 | 17.75% | 17.75% | 19.00% | 10.69% | $395.4M |
| Q4 2024 | 16.85% | 16.85% | 18.11% | 9.77% | $394.1M |
| Q1 2025 | 17.70% | 17.70% | 18.96% | 10.06% | $386.7M |
| Q2 2025 | 17.82% | 17.82% | 19.07% | 10.43% | $395.7M |
| Q3 2025 | 18.34% | 18.34% | 19.59% | 10.66% | $394.7M |
| Q4 2025 | 18.12% | 18.12% | 19.37% | 10.65% | $401.4M |
| Q1 2026 | 15.69% | 15.69% | 16.94% | 9.81% | $518.1M |
| Q2 2026 | 15.50% | 15.50% | 16.75% | 9.99% | $538.2M |
The Fountain Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fountain Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Fountain Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5768) · FFIEC NIC profile (RSSD 145844)