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
Unfavorable gap of $7.2M · efficiency ratio beats 53% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.88% | 0.72% | 1.06% | 1.45% | Beats 91% | 66 / 746 | | |
| Return on Equity | 13.01% | 6.74% | 10.51% | 13.63% | Beats 70% | 226 / 746 | | |
| Net Interest Margin | 5.95% | 3.17% | 3.68% | 4.16% | Beats 99% | 6 / 746 | | |
| Efficiency Ratio | 63.72% | 55.74% | 64.58% | 75.47% | Beats 53% | 354 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.39% | 0.09% | 0.42% | 1.07% | Beats 9% | 678 / 743 | | |
| Net Charge-Offs / Loans | 0.19% | 0.00% | 0.01% | 0.05% | Beats 9% | 678 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.72% | 11.55% | 13.75% | 17.60% | Beats 58% | 312 / 746 | | |
| Total Risk-Based Capital Ratio | 14.72% | 11.71% | 14.33% | 18.43% | Beats 53% | 353 / 746 | | |
| Equity / Assets | 14.41% | 8.90% | 10.51% | 13.06% | Beats 84% | 119 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.81% | 61.31% | 78.27% | 90.78% | 31st pctl | 518 / 746 | | |
| Loans / Assets | 55.33% | 53.60% | 66.97% | 76.08% | 28th pctl | 537 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |