The Fountain Trust Company: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 9.10 percentage points in Q2 2026, from 28.68% to 19.57%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The Fountain Trust Company is 25th of 87 on total deposits, $744.1M as of Q2 2026, above the middle of the field. The Fountain Trust Company's total deposits of $744.1M is well above the $279.6M median for banks in the $100M-1B asset tier, a gap of 166% (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $744.1M |
| Domestic office deposits | $744.1M |
| Foreign office deposits | — |
| Deposits to total assets | 88.10% |
| Deposits to total liabilities | 99.40% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $258.3M |
| Savings deposits | $127.6M |
| Transaction accounts to domestic deposits | 48.63% |
| Time deposits | $22K |
| Time deposits under $100k | $65.6M |
| Time deposits $100k to $250k | $51.8M |
| Time deposits over $250k | $43.9M |
| Noninterest-bearing share of deposits | 19.57% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $700.3M |
| Core deposits to total deposits | 94.11% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.54% |
| Interest expense on deposits | $2.2M |
| Loans and leases to core deposits | 74.46% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $557.0M | 97.31% | 0.00% | 1.34% |
| Q4 2023 | $568.9M | 96.85% | 0.00% | 1.65% |
| Q1 2024 | $583.6M | 96.58% | 0.00% | 1.97% |
| Q2 2024 | $586.2M | 96.06% | 0.00% | 2.14% |
| Q3 2024 | $600.9M | 96.32% | 0.00% | 2.17% |
| Q4 2024 | $610.9M | 96.08% | 0.00% | 2.15% |
| Q1 2025 | $615.1M | 96.35% | 0.00% | 1.88% |
| Q2 2025 | $604.2M | 96.01% | 0.00% | 1.85% |
| Q3 2025 | $603.6M | 95.70% | 0.00% | 1.86% |
| Q4 2025 | $605.8M | 95.12% | 0.00% | 1.78% |
| Q1 2026 | $757.3M | 95.17% | 0.00% | 1.57% |
| Q2 2026 | $744.1M | 94.11% | 0.00% | 1.54% |
The Fountain Trust Company deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fountain Trust Company, freeSource: Call Report Schedules RC-E and RC-O, 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)