McKenzie, TN · Cert 13955 · Foundation Finl Holdings Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Jackson, TN · 2026 SOD (annual) · 1.0% share · #14 of 23 inst. · $0.0B of $4.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.14% | 2.22% | 2.07% | 1.79% | 1.89% | -26 bps | |
| Return on Equity | 16.56% | 16.71% | 15.50% | 12.98% | 13.47% | -309 bps | |
| Net Interest Margin | 6.24% | 6.23% | 6.20% | 5.97% | 5.95% | -29 bps | |
| Efficiency Ratio | 59.32% | 58.87% | 61.34% | 65.04% | 63.72% | +441 bps | |
| Non-Interest Burden | 3.26% | 3.14% | 3.32% | 3.49% | 3.33% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.12% | 5.44% | 3.65% | 3.16% | 3.58% | -254 bps | |
| Loan Growth (YoY) | 1.14% | 1.89% | 0.28% | 0.87% | 4.94% | +380 bps | |
| Deposit Growth (YoY) | 4.61% | 4.36% | 2.03% | 1.74% | 2.54% | -206 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.89% | 2.75% | 2.87% | 2.26% | 2.39% | +50 bps | |
| Net Charge-Offs / Loans | 0.47% | 0.15% | 0.13% | 0.51% | 0.28% | -19 bps | |
| Allowance / Loans | 2.29% | 2.45% | 2.49% | 2.38% | 2.27% | -2 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.9x | 0.9x | 1.1x | 1.0x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.94% | 14.49% | 14.10% | 14.38% | 14.72% | +79 bps | |
| Total Risk-Based Capital | 13.94% | 14.49% | 14.10% | 14.38% | 14.72% | +79 bps | |
| Equity / Assets | 13.52% | 14.18% | 13.70% | 13.90% | 14.41% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.31% | 64.77% | 62.78% | 61.96% | 65.81% | +150 bps | |
| Liquid Assets / Assets | 25.40% | 27.42% | 29.65% | 31.80% | 29.51% | +411 bps | |
| CRE / Total Capital | n/a | 24.62% | 25.04% | 26.53% | n/a | n/a | |