BlastPoint's Banking Scorecard
The Fountain Trust Company
Community
Specialty: Agricultural
IN
FDIC cert 5768
Covington, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
The Fountain Trust Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 22.65% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$675.9M
+0.8% YoY
+0.4% QoQ
|
-$715.5M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$366.0M
+4.4% YoY
+3.1% QoQ
|
-$609.5M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$605.8M
-0.8% YoY
+0.4% QoQ
|
-$558.8M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
1.26%
+13.0% YoY
-5.7% QoQ
|
+0.10% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.91%
-1.5% YoY
+1.3% QoQ
|
+0.25% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
62.59%
-4.6% YoY
+3.9% QoQ
|
-0.04% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.61%
-20.4% YoY
-22.5% QoQ
|
-0.02% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
60.41%
+5.3% YoY
+2.8% QoQ
|
-22.65% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.91%
-3.4% YoY
-3.9% QoQ
|
+3.86% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.33%
-17.6% YoY
-20.3% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
18.12%
+7.5% YoY
-1.2% QoQ
|
+7.88% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.67%
-5.2% YoY
+30.4% QoQ
|
-0.07% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
60.41%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.41% · Tier avg: 83.06%
89
89th pctile
Tier 1 Capital Ratio
Current: 18.12% · Tier avg: 10.24%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.91% · Tier avg: 21.05%
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
60
60th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
48
48th pctile
Efficiency Ratio
Current: 62.59% · Tier avg: 62.63%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.63%
29
29th pctile
Total Deposits
Current: $605.8M · Tier avg: $1.2B
25
25th pctile
Total Assets
Current: $675.9M · Tier avg: $1.4B
10
10th pctile
Total Loans
Current: $366.0M · Tier avg: $975.5M
Top Weaknesses
10
10th pctile
Total Loans
Current: $366.0M · Tier avg: $975.5M
25
25th pctile
Total Assets
Current: $675.9M · Tier avg: $1.4B
29
29th pctile
Total Deposits
Current: $605.8M · Tier avg: $1.2B
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.63%
48
48th pctile
Efficiency Ratio
Current: 62.59% · Tier avg: 62.63%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
60
60th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.91% · Tier avg: 21.05%
89
89th pctile
Tier 1 Capital Ratio
Current: 18.12% · Tier avg: 10.24%
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.41% · Tier avg: 83.06%