🏦Bank Scorer

THE FOUNTAIN TRUST COMPANY

COVINGTON, IN · Supervised by FDIC

Est. 1903FDIC #5,768RSSD: FDIC-5768
Part ofPIPER HOLDINGS INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Address

615 3rd St, COVINGTON, IN

County

Fountain County

Established

January 1, 1903

Total Assets

$855M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$855M

Total Deposits

$757M

Net Loans

$501M

Net Income

$2M

ROA

1.08%

ROE

10.31%

Risk-Based Capital

16.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate20.89%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

16

Branch Deposits

$604M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202429265.75%20.89%
202332557.54%25.85%
202242265.64%17.30%
202175167.24%15.58%
202077970.6%15.53%
201937764.19%17.77%
201828363.96%21.20%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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