B
The Fountain Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Fountain Trust Company
Covington, IN
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Rating B
Asset Quality Index 6.50
Capitalization Index 9.50
Liquidity Index 3.80
Profitability Index 6.30
Stability Index 6.50
Company Info The Fountain Trust Company
Covington, IN
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FDIC Number 5768
Phone Number (765) 793-2237
Website www.fountaintrust.com
Asset Quality The Fountain Trust Company
Covington, IN
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1-Year Asset Growth 1.05%
5-Year Asset Growth 12.94%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.41%
Non-Performing Loans to Capital 3.56%
Non-Performing Loans to Loans 0.77%
Balance Sheet The Fountain Trust Company
Covington, IN
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Total Assets 673.45M
Total Deposits 603.63M
Capital and Reserves The Fountain Trust Company
Covington, IN
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Capital 66.04M
Leverage Ratio 10.66
Loan Loss Reserves to Loans 1.59%
Risk-Based Capital Ratio 19.59
Liquidity The Fountain Trust Company
Covington, IN
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Hot Money Ratio 11.69%
Liquidity Ratio 35.11%
Profitability The Fountain Trust Company
Covington, IN
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5-Year Return on Average Assets 1.08%
Net Income 6.77M
Net Interest Spread 3.74%
Operating Profit to Average Assets 1.67%
Overhead Efficiency Ratio 60.61%
Return on Assets 1.32%
Return on Equity 14.80%