Foundation Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Foundation Bank of McKenzie, TN against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.00% | 1.25% | +0.75% | 85th top |
| ROAE | 13.94% | 12.22% | +1.72% | 59th above |
| Net Interest Margin | 5.95% | 3.95% | +2.00% | 98th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.42% | 63.71% | -1.29% | 46th below |
| PPNR / Avg Assets | 2.78% | — | — | 93rd top |
| Yield on Earning Assets | 7.12% | 5.67% | +1.45% | 96th top |
| Cost of Funds | 1.46% | 1.87% | -0.41% | 72nd above |
| Net Interest Spread | 5.13% | — | — | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.39% | 0.88% | +1.51% | 9th bottom |
| NPA / Total Assets | 1.41% | — | — | 13th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.15% | -0.07% | 21st bottom |
| ACL / Total Loans | 2.27% | — | — | 96th top |
| ACL / NPLs (Coverage) | 95.14% | — | — | 25th below |
| Texas Ratio | 8.98% | 5.96% | +3.02% | 20th bottom |
| Provision / NCO | 168.18% | — | — | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.72% | 11.75% | +2.97% | 85th top |
| Equity / Assets | 14.41% | 10.98% | +3.43% | 86th top |
| TCE / Tangible Assets | 14.41% | — | — | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.81% | 80.44% | -14.63% | 77th top |
| Core Deposit Ratio | 92.66% | 86.95% | +5.71% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.58% | — | — | 43rd below |
| Loan Growth (Y/Y) | 4.94% | — | — | 47th below |
| Deposit Growth (Y/Y) | 2.54% | — | — | 39th below |
See Foundation Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Foundation Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Foundation Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Foundation Bank peer analysis.