# FOUNTAIN TRUST CO
COVINGTON, IN · FDIC certificate 5768 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $844.6M | |
| Deposits | $744.1M | |
| Loans and leases | $521.4M | |
| Total equity | $96.0M | |
| Loans / deposits | 69.02% (p24 of band) | 82.04% |
| Liquid assets / assets | 32.03% (p69 of band) | |
| Uninsured deposits / deposits | 20.71% (p31 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.99% (p34 of band) | 10.81% |
| Unrealized securities loss / equity | -14.12% (p34 of band) | -8.10% |
| AOCI / equity | -0.46% (p43 of band) | |
| ROA (annualized) | 1.04% (p35 of band) | 1.28% |
| Net interest margin | 4.23% (p69 of band) | 3.91% |
| Efficiency ratio | 69.64% (p72 of band) | |
| Noncurrent loans | 0.63% (p60 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p76 of band) | |
| Reserve coverage of noncurrent | 238.66% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 13.46% (p17 of band) | |
| Auto loans | $2.1M (0.40% of loans; DQ 4.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 23.2% | |
| Employees | 153 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, reserve under noncurrent |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | charge-offs p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 4 | capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2020-06 | 3 |  | charge-offs p90 |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | noncurrent p90 |
| 2021-03 | 0 |  | capital falling, reserve under noncurrent |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | wholesale funding >15% |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 3 | noncurrent p90 |  |
| 2023-09 | 1 |  | wholesale funding >15%, noncurrent p90 |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | assets shrinking |  |
| 2024-09 | 0 |  | securities losses >30% of equity, assets shrinking |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-01-25 [PHHS Honors Fountain Trust Co. - Journal Review](https://news.google.com/rss/articles/CBMif0FVX3lxTE5lY0xCN2NKRlRtRUxKSV9zZW1VQy1WMlIwWVR1djVUamhmWmF5bVBNVUxZZ0lFaGhEMk1DNzdlVTdiUzdrN19XSkJTcjJ5d01ZMk5seWRBU3FVcTVpbDdkS0dHZ2kydWpzUWlNdlJxM2liX2JBNlV1b0RNai1oa28?oc=5) · Journal Review
- 2024-04-09 [Barry Anderson appointed to ICBA Minority Bank Advisory Council - Guthrie News Page](https://news.google.com/rss/articles/CBMilwFBVV95cUxOVDhMSXpGTEoyWTNuREZwem9ReV9zUkg1WGpLaHVvSTFHbzNGXzNWVGtySXFicHZXQUJLc3g0VlcwT01vM0NJLURHb2txOU9yUHNGdWQ4NFZSTEEzd0pTU0xackc1a09zbHJCbGhYbTJYRi1zZDRfcHdFeFdvWF9OYzNMTXREczJWaGEybzZWc0RwM2RnTlRR?oc=5) · Guthrie News Page
- 2026-03-16 [3 arrested, juvenile detained after ATM theft, police chase in Crawfordsville - WISH-TV](https://news.google.com/rss/articles/CBMiugFBVV95cUxPZWd4N0pzNkx4Rk5HVm85dEtLWXdzSzJMVVp5V081S0ptZmkwSnRJTXl6Y1NOdHBvUFdkcUs5elRZQXVzbnJOTUluQzdqenAtcGhEcnRKMWkwTWZ1WV9EejVkRFEwMGhfRDZmT3VUcTJLNHlFckJpUy1CSlRVQkVpeFpJam5BSFJLTVl0dERDeFZnVzlrNWRwRmQwWVYxYTIySjU4cFNRS1d3dVNDek1jZkoyMzRLMkNFZEE?oc=5) · WISH-TV
- 2007-02-28 [Bank robber earns 5 days - Journal Review](https://news.google.com/rss/articles/CBMid0FVX3lxTE9lVkJrRTNNNmlfVFZjUDJONWVVUVNsR1ZLZnpONFZfZ3VOdEYwYlB3d3JuSmxuX0FDdzhfbGVReEZzdmtCX0JGcEw0S0kwRmhzZGk3ZThWSFl4OHIyYzU0bGREREVwX1NReW9ScXBESjY0eHQ5WEU0?oc=5) · Journal Review

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5768 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "5768", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide