Total Assets
$676M
Total balance-sheet footings
FDIC Cert #5768 · Covington, Indiana · Est. 1903
The Fountain Trust Company - FDIC Bank Health Profile
A community-scale look at The Fountain Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $676M
- Total assets
- A
- Health grade · Excellent
- 1.26%
- Return on assets
- 18.1%
- Tier 1 capital
Data updated July 2026
The verdict
The Fountain Trust Company earns a PlainBankData health grade of A (88/100), with well-capitalized at 18.12% Tier 1, profitable at 1.26% ROA, 63% efficiency ratio.
- #1,415
- largest of 4,313 FDIC banks by assets
- 67th
- percentile by asset size, nationally
- 18.12%
- Tier 1 ratio - above the 10% well-capitalized line
- 62nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Fountain Trust Company's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Fountain Trust Company's composite health score
Tier 1 Capital Ratio (18.12%) 40/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (3.06%) 20/20
Efficiency Ratio (62.59%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$606M
Customer-funded liabilities
Net Loans
$366M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Fountain Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Fountain Trust Company's score of 88/100 falls in the highlighted band.
The Fountain Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Fountain Trust Company's $676M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.12% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.12%
Texas Ratio
3.06%
Equity Capital
$67M
Profitability metrics
Return on Assets (ROA)
62nd percentile nationally
1.26%
Return on Equity (ROE)
13.69%
Efficiency Ratio
62.59%
What the numbers say about The Fountain Trust Company
The Fountain Trust Company is an FDIC-insured institution (Certificate #5768) headquartered in Covington, Indiana, established in 1903. It holds $676M in total assets - 1,415th of 4,313 FDIC-insured banks, $606M in customer deposits, and $366M in net loans. Its capital position: a Tier 1 ratio of 18.12%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.06% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Fountain Trust Company sits 31st of 90 banks headquartered in Indiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$33M
Interest Income
$5M
Non-Interest Income
$18M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Fountain Trust Company reports a Texas Ratio of 3.06% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.06% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Fountain Trust Company (FDIC Cert #5768) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is The Fountain Trust Company's health grade?▼
The Fountain Trust Company receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Fountain Trust Company?▼
The Fountain Trust Company holds $676M in total assets and $606M in deposits, ranking 1,415th of 4,313 FDIC-insured banks by asset size. It is headquartered in Covington, Indiana.
Is my money safe at The Fountain Trust Company?▼
Yes, deposits at The Fountain Trust Company (Certificate #5768) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Fountain Trust Company's Tier 1 Capital Ratio?▼
The Fountain Trust Company has a Tier 1 Capital Ratio of 18.12%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Fountain Trust Company?▼
The Fountain Trust Company has a Texas Ratio of 3.06%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Fountain Trust Company?▼
The Fountain Trust Company has an Efficiency Ratio of 62.59%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Fountain Trust Company's profile as a depositor or analyst.
- The Fountain Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Fountain Trust Company against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.