The Fountain Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Fountain Trust Company of Covington, IN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.95% | 1.35% | -0.40% | 30th below |
| ROAE | 8.61% | 13.33% | -4.72% | 28th below |
| Net Interest Margin | 4.34% | 3.93% | +0.41% | 72nd above |
| Efficiency Ratio | 70.46% | 61.12% | +9.34% | 27th below |
| PPNR / Avg Assets | 1.31% | 1.68% | -0.37% | 34th below |
| Yield on Earning Assets | 5.42% | 5.67% | -0.25% | 41st below |
| Cost of Funds | 1.25% | 1.88% | -0.63% | 82nd top |
| Net Interest Spread | 3.88% | 3.32% | +0.56% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.63% | 0.94% | -0.31% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.70% | -0.31% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.16% | -0.01% | 15th bottom |
| ACL / Total Loans | 1.49% | 1.28% | +0.21% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 238.66% | 1547.29% | -1308.63% | 53rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.01% | 7.34% | -3.33% | 47th below |
| Provision / NCO | 99.02% | 1396.48% | -1297.46% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.50% | 19.49% | -3.99% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.50% | 19.52% | -4.02% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.75% | 20.61% | -3.86% | 55th above |
| Leverage Ratio | 9.99% | 12.14% | -2.15% | 31st below |
| Equity / Assets | 11.36% | 11.36% | +0.00% | 64th above |
| TCE / Tangible Assets | 8.94% | 11.09% | -2.15% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.07% | 80.67% | -10.60% | 70th above |
| Core Deposit Ratio | 94.11% | 86.84% | +7.27% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 26.16% | 6.83% | +19.33% | 97th top |
| Loan Growth (Y/Y) | 44.01% | 7.89% | +36.12% | 98th top |
| Deposit Growth (Y/Y) | 23.17% | 6.27% | +16.90% | 95th top |
See The Fountain Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Fountain Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Fountain Trust Company profile, how to read a UBPR, or how this data updates.