The Fountain Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin climbed 1.00 percentage points in Q2 2026, from 3.34% to 4.34%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The Fountain Trust Company is 10th of 87 on net interest margin, 4.34% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Fountain Trust Company sits 0.39 points higher, at 4.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 6.53% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.54% |
| Cost of interest-bearing liabilities | 1.54% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.34% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.59% | 1.62% | 3.10% | 5.61% | 3.45% |
| Q4 2023 | 4.87% | 1.66% | 3.38% | 6.02% | 3.55% |
| Q1 2024 | 4.82% | 1.74% | 3.16% | 5.88% | 3.63% |
| Q2 2024 | 6.60% | 1.97% | 4.92% | 6.06% | 3.63% |
| Q3 2024 | 5.05% | 1.83% | 3.54% | 6.22% | 3.58% |
| Q4 2024 | 5.18% | 1.77% | 3.71% | 6.44% | 3.53% |
| Q1 2025 | 4.93% | 1.55% | 3.63% | 6.25% | 3.28% |
| Q2 2025 | 5.11% | 1.53% | 3.83% | 6.44% | 3.22% |
| Q3 2025 | 5.03% | 1.54% | 3.76% | 6.39% | 3.19% |
| Q4 2025 | 5.10% | 1.47% | 3.90% | 6.54% | 3.06% |
| Q1 2026 | 4.29% | 1.18% | 3.34% | 5.05% | 3.00% |
| Q2 2026 | 5.42% | 1.25% | 4.34% | 6.53% | 3.18% |
The Fountain Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fountain Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)