The Fountain Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.25 percentage points lower than in Q1 2026, at 85.67%. The Fountain Trust Company ranks 70th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 70.07% (Q2 2026). The Fountain Trust Company reported 70.07% on loan-to-deposit ratio for Q2 2026, 10.88 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $521.4M |
| Net loans and leases | $513.6M |
| Loans held for sale | $0 |
| Loans to total assets | 61.73% |
| Loan-to-deposit ratio | 70.07% |
| Net loans to equity capital | 5.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.55% |
| Multifamily (5+ residential) | 1.66% |
| Commercial and industrial | 13.00% |
| Consumer | 1.03% |
| Credit cards | 0.00% |
| Farm | 18.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.86% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 85.67% |
| Construction concentration (Tier 1 capital + allowance) | 14.17% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.53% |
| Interest income on loans | $8.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $346.4M | $557.0M | 26.05% | 7.32% | 2.14% |
| Q4 2023 | $347.9M | $568.9M | 25.84% | 7.68% | 1.92% |
| Q1 2024 | $351.9M | $583.6M | 25.98% | 8.14% | 1.58% |
| Q2 2024 | $349.5M | $586.2M | 26.94% | 7.87% | 1.37% |
| Q3 2024 | $356.2M | $600.9M | 26.27% | 8.25% | 1.30% |
| Q4 2024 | $356.3M | $610.9M | 26.29% | 7.52% | 1.30% |
| Q1 2025 | $349.7M | $615.1M | 26.63% | 9.42% | 1.21% |
| Q2 2025 | $362.0M | $604.2M | 26.44% | 9.66% | 1.12% |
| Q3 2025 | $360.7M | $603.6M | 26.06% | 9.81% | 1.19% |
| Q4 2025 | $371.7M | $605.8M | 26.32% | 10.80% | 1.05% |
| Q1 2026 | $508.4M | $757.3M | 19.33% | 12.06% | 1.21% |
| Q2 2026 | $521.4M | $744.1M | 18.55% | 13.00% | 1.03% |
The Fountain Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fountain Trust Company, freeSource: Call Report Schedule RC-C, 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)