| Metric | Foundation One Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | +0.7% | +4.0% | -3.2 pts |
| Loan growth (YoY) | -12.0% | +5.6% | -17.6 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 7.5% | 11.9% | -4.4 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.2M | $155.5M | $130.0M | $19.6M | $725K | 0.78% | 3.02% | 0.30% |
| Q1 2026 | $200.9M | $174.4M | $138.4M | $19.4M | $355K | 0.75% | 2.95% | 0.00% |
| Q4 2025 | $177.8M | $150.1M | $142.0M | $19.1M | $791K | 0.44% | 3.06% | 0.00% |
| Q3 2025 | $181.4M | $154.8M | $145.1M | $19.1M | $628K | 0.47% | 3.01% | 0.20% |
| Q2 2025 | $180.7M | $154.4M | $147.7M | $18.8M | $337K | 0.38% | 2.96% | 0.20% |
| Q1 2025 | $179.7M | $148.8M | $146.6M | $18.7M | $195K | 0.44% | 2.91% | 0.06% |
| Q4 2024 | $176.3M | $145.8M | $140.8M | $18.5M | $217K | 0.12% | 2.50% | 0.06% |
| Q3 2024 | $179.8M | $149.8M | $137.9M | $18.6M | $263K | 0.20% | 2.46% | 0.58% |
Loan mix (Q2 2026): real estate $111.6M · commercial $18.6M · consumer $1.5M · securities $28.1M
| Ratio | Foundation One Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 62.9% | 61th |
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 One 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 One 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 One 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 One Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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