Foundation Bank
BankRegReports is independent of Foundation Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Foundation Bank is an FDIC-insured commercial bank headquartered in McKenzie, TN, established in 1934 (FDIC certificate 13955), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $217.9M, up 3.6% from Q2 2025, the 89th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13955
- Headquarters
- McKenzie, TN
- Established
- 1934
- Total assets, Q2 2026
- $217.9M
- Assets vs Q2 2025
- +3.6%
- Tier 1 leverage ratio, Q2 2026
- 14.72%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 084302180
- Latest call report
- Q2 2026, FFIEC 051 · Foundation Bank call report
- Holding company
- FOUNDATION FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 89th of 109 in Tennessee
Problem loans are rising at Foundation Bank. The Mckenzie, Tennessee bank had $218 million in assets at June 30, 2026, up 3.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.39% of loans from 1.89% a year earlier. It keeps 5.95 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds commercial real estate loans equal to only 12% of its capital, a small fraction of the median of 1.2 times for banks its size.
The commercial and industrial book ($14 million) is worsening: 6.15% of it is past due or on nonaccrual, up from 0.73% a year earlier. Net income for the quarter slipped 12% from a year earlier, to $1.1 million. Credit is the area to watch: it carries problem assets equal to 9.0% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Foundation Bank reported a return on assets of 2.00%, a nonperforming-loan ratio of 2.39% and a Texas ratio of 8.98%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Foundation Bank is the 89th largest of the 109 banks headquartered in Tennessee. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $217.9M, loans rose 5.4% and deposits fell 0.8%. 1-4 family residential loans made up 57.9% of its total loans on June 30, 2026, its largest category; next came leases at 13.0%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in TN; its Paris office books 36% of its branch deposits. Judged on its Q2 2026 call report, Foundation Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 676 Main St N, McKenzie, TN 38201
- County
- Carroll
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 28, 1934
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 80
- Domestic deposits
- $183.2M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $169K
- Average total assets
- $215.6M
- Average total loans
- $116.2M
- Average interest-bearing deposits
- $121.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 28, 1934
- FDIC Cert
- 13955
- Fed RSSD
- 480853
- Website
- www.foundationbank.org →
- Parent Holding Company
- FOUNDATION FINANCIAL HOLDINGS, INC. (RSSD 1135280)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Foundation Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Foundation Bank's total assets ran between $188.5M (Q3 2023) and $218.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$217.9M total assets against $210.4M; $186.5M total liabilities against $181.9M.
$117.8M net loans and leases against $112.3M; $183.2M total deposits against $178.7M.
$19.2M securities against $27.7M; $67.7M cash and balances due against $58.2M.
$3.9M total interest income against $3.9M; $641K total interest expense against $645K.
$3.2M net interest income against $3.3M.
$764K total noninterest income against $612K; $2.5M total noninterest expense against $2.2M.
$37K provision for credit losses against $37K.
$1.1M net income against $1.2M.
2.00% return on assets against 2.35%; 5.95% net interest margin against 6.23%.
14.72% tier 1 leverage ratio against 13.94%.
Inside the full Foundation Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFoundation Bank rankings
Its closest position to the top of a national ranking is 487 of 3,611, for ROA; its furthest is 2,861 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.65% (Q4 2025) to 2.67% (Q3 2024) and its net interest margin ran from 5.91% (Q1 2026) to 6.65% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.72% | 2.00% | 2.39% | 8.98% | 5.95% |
| Q1 2026 | 14.38% | 1.82% | 2.26% | 8.39% | 5.91% |
| Q4 2025 | 14.10% | 1.65% | 2.87% | 10.72% | 6.14% |
| Q3 2025 | 14.49% | 2.37% | 2.75% | 9.70% | 6.16% |
| Q2 2025 | 13.94% | 2.35% | 1.89% | 7.00% | 6.23% |
| Q1 2025 | 13.56% | 1.98% | 1.85% | 7.01% | 6.18% |
| Q4 2024 | 13.14% | 2.08% | 1.12% | 4.45% | 6.17% |
| Q3 2024 | 14.12% | 2.67% | 1.29% | 4.98% | 6.65% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Foundation Bank, A Division of Mckenzie Banking Company | Paris , TN | 38242 | $65.5M |
| Foundation Bank (main office) | Mc Kenzie , TN | 38201 | $46.4M |
| Foundation Bank, A Division of Mckenzie Banking Company | Jackson , TN | 38305 | $25.2M |
| Foundation Bank, A Division of Mckenzie Banking Company | Obion , TN | 38240 | $20.5M |
| Foundation Bank, A Division of Mckenzie Banking Company | Alamo , TN | 38001 | $18.1M |
| Foundation Bank, A Division of Mckenzie Banking Company | Buchanan , TN | 38222 | $7.6M |
| Drive-In Branch | Mckenzie , TN | 38201 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 121 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 106 applications, 71 loans originated, $13.3M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Foundation Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Foundation Bank
What are Foundation Bank's total assets?
As of the Q2 2026 filing, Foundation Bank reported total assets of $217.9 million in its FFIEC call report.
Where is Foundation Bank headquartered?
It is headquartered in McKenzie, TN, United States.
When was Foundation Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Foundation Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13955). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Foundation Bank?
Foundation Bank's primary federal regulator is the FDIC.
How many branches does Foundation Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Foundation Bank's Texas Ratio?
Its Texas Ratio is 8.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Foundation Bank.
Get an email when Foundation Bank files its next call report, and benchmark it against any peer you choose.
Unlock Foundation Bank, freeFree account