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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