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Foundation Bank

McKenzie, TN · Cert 13955 · Foundation Finl Holdings Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Foundation Bank

McKenzie, TN · Cert 13955 · Foundation Finl Holdings Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$217.9MAssets
$120.6MLoans
$183.2MDeposits
$31.4MEquity
Loan mix
79%RE $77.4M14%C&I $13.7M6%Consumer $6.3MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $127.7M30%Noninterest $55.5MQ3 2024Q2 2026

Market Position · Jackson, TN · 2026 SOD (annual) · 1.0% share · #14 of 23 inst. · $0.0B of $4.3B

5.6% Henry
5.8% Carroll
1.0% Madison
2.2% Obion

Executive Summary

  • Earnings: ROA of 1.89%, down 26 bps year over year; NIM at 5.95%.
  • Asset quality: problem loans at 2.39% of loans (+50 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 14.72%, up 79 bps from a year ago.
  • Funding: loans stand at 65.81% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.89%-26 bps YoY

Net Interest Margin (YTD, annualized)

5.95%-29 bps YoY

Efficiency Ratio (YTD, annualized)

63.72%+441 bps YoY

Tier 1 Leverage Ratio

14.72%+79 bps YoY

NIM

7.43%Q2 ’247.48%Q2 ’257.12%Q2 ’26-1%-5%

Non-interest income vs. expense

4.45%Q2 ’244.35%Q2 ’254.59%Q2 ’26+10%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.50%2.39%1.95%2.14%2.22%2.07%1.79%1.89%-26 bps
Return on Equity20.18%19.27%15.38%16.56%16.71%15.50%12.98%13.47%-309 bps
Net Interest Margin6.46%6.23%6.27%6.24%6.23%6.20%5.97%5.95%-29 bps
Efficiency Ratio56.79%58.46%61.85%59.32%58.87%61.34%65.04%63.72%+441 bps
Non-Interest Burden3.02%3.05%3.48%3.26%3.14%3.32%3.49%3.33%+8 bps
Growth
Asset Growth (YoY)6.00%9.36%6.24%6.12%5.44%3.65%3.16%3.58%-254 bps
Loan Growth (YoY)-0.73%-1.30%0.45%1.14%1.89%0.28%0.87%4.94%+380 bps
Deposit Growth (YoY)4.39%8.24%4.80%4.61%4.36%2.03%1.74%2.54%-206 bps
Asset Quality
Nonperforming Loans / Loans1.29%1.12%1.85%1.89%2.75%2.87%2.26%2.39%+50 bps
Net Charge-Offs / Loans0.21%0.38%-0.29%0.47%0.15%0.13%0.51%0.28%-19 bps
Allowance / Loans2.68%2.49%2.60%2.29%2.45%2.49%2.38%2.27%-2 bps
Allowance Coverage of NPLs2.1x2.2x1.4x1.2x0.9x0.9x1.1x1.0x-0.3x
Capital
Tier 1 Leverage Ratio14.12%13.14%13.56%13.94%14.49%14.10%14.38%14.72%+79 bps
Total Risk-Based Capital14.12%13.14%13.56%13.94%14.49%14.10%14.38%14.72%+79 bps
Equity / Assets13.42%12.51%12.82%13.52%14.18%13.70%13.90%14.41%+89 bps
Liquidity & Funding
Loans / Deposits66.34%63.87%62.50%64.31%64.77%62.78%61.96%65.81%+150 bps
Liquid Assets / Assets19.10%22.65%26.55%25.40%27.42%29.65%31.80%29.51%+411 bps
CRE / Total Capitaln/an/an/an/a24.62%25.04%26.53%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Foundation Bank

McKenzie, TN · Cert 13955 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Foundation Finl Holdings Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$217.9MAssets
$120.6MLoans
$183.2MDeposits
$31.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 99% of banks under $1B in assets operating in a single state (rank 6 of 746).
  • Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets operating in a single state (rank 678 of 743).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.88%

Rank 66 of 746

Net Interest Margin

5.95%

Rank 6 of 746

Efficiency Ratio

63.72%

Rank 354 of 746

Equity / Assets

14.41%

Rank 119 of 746

Non-interest income vs. expense

$2.7M$9.9MINCOMEEXPENSE
Unfavorable gap of $7.2M · efficiency ratio beats 53% of banks under $1B in assets operating in a single state
Bank 63.72%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.88%0.72%1.06%1.45%Beats 91%66 / 746
Return on Equity13.01%6.74%10.51%13.63%Beats 70%226 / 746
Net Interest Margin5.95%3.17%3.68%4.16%Beats 99%6 / 746
Efficiency Ratio63.72%55.74%64.58%75.47%Beats 53%354 / 746
Asset Quality
Nonperforming Loans / Loans2.39%0.09%0.42%1.07%Beats 9%678 / 743
Net Charge-Offs / Loans0.19%0.00%0.01%0.05%Beats 9%678 / 743
Capital
Tier 1 Capital Ratio14.72%11.55%13.75%17.60%Beats 58%312 / 746
Total Risk-Based Capital Ratio14.72%11.71%14.33%18.43%Beats 53%353 / 746
Equity / Assets14.41%8.90%10.51%13.06%Beats 84%119 / 746
Liquidity & Funding
Loans / Deposits65.81%61.31%78.27%90.78%31st pctl518 / 746
Loans / Assets55.33%53.60%66.97%76.08%28th pctl537 / 746
Brokered Deposits / Depositsn/aNot reported for this institution