Waterloo, NE · Cert 18761 · Foundation First Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in the Omaha, NE-IA area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
73
Profitability
10
Liquidity
87
Efficiency
25
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.
Waterloo, NE · Cert 18761 · Foundation First Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.4% share · #34 of 77 inst. · $0.2B of $42.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.12% | 0.44% | 0.38% | 0.47% | 0.44% | 0.75% | 0.78% | +40 bps | |
| Return on Equity | 1.91% | 1.18% | 4.20% | 3.61% | 4.46% | 4.20% | 7.38% | 7.49% | +387 bps | |
| Net Interest Margin | 2.30% | 2.35% | 2.76% | 2.80% | 2.84% | 2.92% | 2.95% | 2.78% | -2 bps | |
| Efficiency Ratio | 89.93% | 90.60% | 79.07% | 76.62% | 74.99% | 74.41% | 66.86% | 66.55% | -1,008 bps | |
| Non-Interest Burden | 2.04% | 2.11% | 2.15% | 2.10% | 2.09% | 2.13% | 1.93% | 1.81% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.78% | 2.66% | 2.13% | 0.03% | 0.87% | 0.86% | 11.79% | 0.87% | +84 bps | |
| Loan Growth (YoY) | -1.62% | 0.05% | 4.79% | 4.82% | 5.19% | 0.81% | -5.58% | -11.88% | -1,671 bps | |
| Deposit Growth (YoY) | 6.92% | 4.03% | 2.27% | 3.46% | 3.34% | 2.93% | 17.26% | 0.73% | -273 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.08% | 0.07% | 0.24% | 0.24% | 0.00% | 0.00% | 0.41% | +18 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.10% | 0.00% | 0.25% | 0.17% | 0.30% | 0.00% | 0.00% | -25 bps | |
| Allowance / Loans | 1.27% | 1.25% | 1.21% | 1.19% | 1.22% | 1.20% | 1.23% | 1.31% | +12 bps | |
| Allowance Coverage of NPLs | 1.7x | 16.5x | 16.7x | 5.0x | 5.0x | n/a | n/a | 3.2x | -1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.01% | 10.05% | 10.15% | 10.12% | 10.23% | 10.30% | 10.39% | 9.83% | -29 bps | |
| Total Risk-Based Capital | 10.01% | 10.05% | 10.15% | 10.12% | 10.23% | 10.30% | 10.39% | 9.83% | -29 bps | |
| Equity / Assets | 10.32% | 10.47% | 10.39% | 10.42% | 10.55% | 10.73% | 9.65% | 10.78% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.27% | 97.80% | 99.78% | 96.82% | 94.95% | 95.79% | 80.34% | 84.69% | -1,212 bps | |
| Liquid Assets / Assets | 2.13% | 0.87% | 0.11% | 0.80% | 1.67% | 1.10% | 13.88% | 6.17% | +537 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 379% | 358% | 343% | n/a | n/a | |
Waterloo, NE · Cert 18761 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Foundation First Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.80%
Rank 21 of 24
Net Interest Margin
2.78%
Rank 22 of 24
Efficiency Ratio
66.55%
Rank 19 of 24
Equity / Assets
10.78%
Rank 11 of 24
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.92% | 1.29% | 1.77% | Beats 13% | 21 / 24 | ||
| Return on Equity | 7.38% | 9.64% | 12.01% | 15.30% | Beats 8% | 22 / 24 | ||
| Net Interest Margin | 2.78% | 3.02% | 3.76% | 3.98% | Beats 8% | 22 / 24 | ||
| Efficiency Ratio | 66.55% | 49.60% | 59.31% | 66.55% | Beats 25% | 19 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.10% | 0.37% | 1.03% | Beats 46% | 14 / 24 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 12 / 24 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.83% | 10.53% | 11.57% | 13.63% | Beats 13% | 21 / 24 | ||
| Total Risk-Based Capital Ratio | 9.83% | 11.15% | 12.06% | 13.90% | Beats 13% | 21 / 24 | ||
| Equity / Assets | 10.78% | 8.87% | 10.14% | 12.27% | Beats 54% | 11 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.69% | 75.32% | 83.30% | 93.06% | 54th pctl | 11 / 24 | ||
| Loans / Assets | 72.28% | 65.68% | 71.67% | 75.94% | 54th pctl | 11 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||