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 | |