| Metric | Foundation Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.4 pts |
| Loan growth (YoY) | +5.0% | +5.6% | -0.6 pts |
| ROA | 1.89% | 1.24% | +0.6 pts |
| ROE | 13.5% | 11.9% | +1.6 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $217.9M | $183.2M | $117.8M | $31.4M | $2.0M | 1.89% | 6.40% | 1.41% |
| Q1 2026 | $218.1M | $184.6M | $111.7M | $30.3M | $968K | 1.79% | 6.37% | 1.27% |
| Q4 2025 | $214.1M | $181.1M | $110.9M | $29.3M | $4.4M | 2.07% | 6.72% | 1.61% |
| Q3 2025 | $210.6M | $177.6M | $112.2M | $29.9M | $3.5M | 2.22% | 6.74% | 1.51% |
| Q2 2025 | $210.4M | $178.7M | $112.3M | $28.5M | $2.2M | 2.14% | 6.75% | 1.03% |
| Q1 2025 | $211.4M | $181.5M | $110.5M | $27.1M | $1.0M | 1.95% | 6.68% | 1.00% |
| Q4 2024 | $206.5M | $177.5M | $110.6M | $25.8M | $4.8M | 2.39% | 6.95% | 0.62% |
| Q3 2024 | $199.8M | $170.2M | $109.9M | $26.8M | $3.7M | 2.50% | 7.02% | 0.74% |
Loan mix (Q2 2026): real estate $82.4M · commercial $13.6M · consumer $6.6M · securities $19.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Foundation Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 62.9% | 52nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Foundation Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Foundation Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Foundation Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Foundation Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Foundation Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
8 branches in 5 counties across 1 state (+0 vs 2024) · $178.7M branch deposits. Biggest market: Henry, TN, ranked 6th with 5.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Henry, TN | 2 | $67.7M | 5.11% | 6th |
| Carroll, TN | 2 | $49.5M | 6.21% | 4th |
| Madison, TN | 1 | $22.9M | 0.93% | 14th |
| 2 more counties with Pro → | ||||
Tennessee: 146th with 0.07% · Jackson metro: 15th, 1.00% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8