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Foundation One Bank

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

$182.2MAssets
$131.7MLoans
$155.5MDeposits
$19.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Omaha, NE-IA area (rank 12 of 24).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets in the Omaha, NE-IA area (rank 22 of 24).
  • Overall: at or above the peer median on 2 of 9 directional measures.

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

Non-interest income vs. expense

$0.2M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 25% of banks under $1B in assets in the Omaha, NE-IA area
Bank 66.55%Peer median 59.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.80%0.92%1.29%1.77%Beats 13%21 / 24
Return on Equity7.38%9.64%12.01%15.30%Beats 8%22 / 24
Net Interest Margin2.78%3.02%3.76%3.98%Beats 8%22 / 24
Efficiency Ratio66.55%49.60%59.31%66.55%Beats 25%19 / 24
Asset Quality
Nonperforming Loans / Loans0.41%0.10%0.37%1.03%Beats 46%14 / 24
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%12 / 24
Capital
Tier 1 Capital Ratio9.83%10.53%11.57%13.63%Beats 13%21 / 24
Total Risk-Based Capital Ratio9.83%11.15%12.06%13.90%Beats 13%21 / 24
Equity / Assets10.78%8.87%10.14%12.27%Beats 54%11 / 24
Liquidity & Funding
Loans / Deposits84.69%75.32%83.30%93.06%54th pctl11 / 24
Loans / Assets72.28%65.68%71.67%75.94%54th pctl11 / 24
Brokered Deposits / Depositsn/aNot reported for this institution