FOUNDATION ONE BANK

WATERLOO, NE | Small | Est. Jan. 1, 1905, midnight | FDIC #18761 | RSSD #102557 | FDIC
Latest Report: 2025-12-31

FOUNDATION ONE BANK is asn small FDIC-insured commercial bank headquartered in WATERLOO, NE, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $178M and total deposits of $150M. Profitability stands at 0.36% ROA and 3.41% ROE, with a net interest margin of 3.33%. The bank's CET1 capital ratio is 10.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #18761.

Assets

$178M

Deposits

$150M

Loans

$144M

Equity

$19M

Profitability

Return on Assets (ROA) 0.36%
Return on Equity (ROE) 3.41%
Net Interest Margin (NIM) 3.33%
Yield on Assets 6.16%
Cost of Funds 2.98%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.30%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 10.07%
Tier 1 Capital 10.07%
Total Capital Ratio 10.57%
Leverage Ratio 10.30%
Loan-to-Deposit 95.79%

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