Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$855M
Total Deposits
$757M
Net Loans
$501M
Net Income
$2M
ROA
1.08%
Above avg for Small banks. Peer avg: 0.44%
ROE
10.31%
Risk-Based Capital
16.94%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 292 | 65.75% | 20.89% |
| 2023 | 325 | 57.54% | 25.85% |
| 2022 | 422 | 65.64% | 17.30% |
| 2021 | 751 | 67.24% | 15.58% |
| 2020 | 779 | 70.6% | 15.53% |
| 2019 | 377 | 64.19% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Aug 2025 | Satisfactory | Intermediate Small Bank |
| Oct 2022 | Satisfactory | Intermediate Small Bank |
| Oct 2019 | Satisfactory | Intermediate Small Bank |
8 previous ratings locked — back to 1993
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
16
Branch Deposits
$604M
1-Year Change
0
5-year net change: +2 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/the-fountain-trust-company" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 17.77% |
| 2018 | 283 | 63.96% | 21.20% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red