FOUNDATION BANK

MCKENZIE, TN | Small | Est. Feb. 28, 1934, midnight | FDIC #13955 | RSSD #480853 | FDIC
Latest Report: 2025-12-31

FOUNDATION BANK is asn small FDIC-insured commercial bank headquartered in MCKENZIE, TN, established in Feb. 28, 1934, midnight. As of 2025-12-31, the bank reported total assets of $214M and total deposits of $181M. Profitability stands at 1.64% ROA and 11.77% ROE, with a net interest margin of 6.71%. The bank's CET1 capital ratio is 13.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.08% and a Texas Ratio of 7.92%. FDIC Certificate #13955.

Assets

$214M

Deposits

$181M

Loans

$114M

Equity

$29M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 11.77%
Net Interest Margin (NIM) 6.71%
Yield on Assets 8.00%
Cost of Funds 1.41%

Asset Quality

NPL Ratio 2.08%
Net Charge-Off Ratio 0.13%
Texas Ratio 7.92%
NPA Ratio 1.19%
ACL / Loans 2.49%

Capital & Liquidity

CET1 Ratio 13.70%
Tier 1 Capital 13.70%
Total Capital Ratio 14.38%
Leverage Ratio 14.10%
Loan-to-Deposit 62.78%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required