The Fountain Trust Company
Covington, IN
IDRSSD: 145844
Total Assets
$673.45M
Latest filing
Total Deposits
$603.63M
Latest filing
Net Interest Margin
3.89%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Fountain Trust Company
615 3rd St
Covington, IN 47932
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1903FDIC Certificate 3935
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The Fountain Trust Company (Main) | 615 3rd St | Covington, IN |
| BROOKSTON BRANCH | 309 S Prairie St | Brookston, IN |
| KINGMAN BRANCH | 110 E State St | Kingman, IN |
| MELLOTT BRANCH | 206 S Main St | Veedersburg, IN |
| ATTICA BRANCH | 427 E Main St | Attica, IN |
| WAYNETOWN BRANCH | 110 E Washington St | Waynetown, IN |
| LAFAYETTE BRANCH | 811 N Creasy Ln | Lafayette, IN |
| BATTLE GROUND BRANCH | 104 S Railroad St | Battle Ground, IN |
Showing 7 of 15
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 47932 |
| State and County Number | 18045 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 134 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fountaintrust.com |
| Data Updated | 11/14/2025 |
| CERT | 5768 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $673.45M |
| Total Deposits | $603.63M |
| Total Liabilities | $607.40M |
| Total Equity Capital | $66.04M |
| Net Income | $2.14M |
| Net Loans and Leases | $354.92M |
| Assets Per Employee ($Millions) | $5.1M |
| Bank Premises and Fixed Assets | $8.87M |
| Cash and Balances due from Depository Institutions | $75.06M |
| Deposits Held in Domestic Offices | $603.63M |
Key Performance Ratios
| Return on Assets (ROA) | 1.28% |
| Return on Equity (ROE) | 13.39% |
| Net Interest Margin | 3.89% |
| Efficiency Ratio | 61.41% |
| Tier 1 Risk-Based Capital Ratio | 18.336% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.807% |
| Earning Assets to total Assets | 93.61% |
Income and Expense
| Total Interest Income | $8.19M |
| Total Noninterest Income | $1.20M |
| Total Interest Expense | $2.08M |
| Total Noninterest Expense | $4.51M |
| Net Interest Income | $6.11M |
| Pre-tax Net Operating Income | $2.76M |
| Provision for Credit Losses | $35.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.77M |
| Total Liabilities and Capital | $673.45M |
Securities
| Securities | $207.65M |
| Available-for-sale debt securities | $207.65M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Fountain Trust Company?
$673.45M as of the latest filing.
How much are The Fountain Trust Company's total deposits?
$603.63M in total deposits.
Where is The Fountain Trust Company located?
Covington, IN.
What is the Net Interest Margin?
3.89%.
How many domestic offices does it operate?
16.
When was it established?
01/01/1903.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$354.92M (latest filing).
What is the total interest income (latest filing)?
$8.19M.