Foundation Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 7.36 percentage points in Q2 2026, from 145.28% to 137.92%. It was the largest change from Q1 2026 among the key lines here. Among 109 Tennessee banks, Foundation Bank sits 10th from the top on return on assets, 2.00% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Foundation Bank reported 2.00% on return on assets in Q2 2026, 0.74 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.72% |
| Equity capital to assets | 14.41% |
| Tangible equity to tangible assets | 14.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.65% |
| Non-performing assets ratio | 1.00% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 8.98% |
| Allowance for credit losses to loans | 2.27% |
| Reserve coverage of non-performing loans | 137.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.00% |
| Return on equity | 13.94% |
| Net interest margin | 5.95% |
| Efficiency ratio | 62.42% |
| Yield on earning assets | 7.12% |
| Cost of funds | 1.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.81% |
| Core deposits to total deposits | 92.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.08% |
| Securities to assets | 8.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.68% | 2.65% | 6.76% | 0.57% | 0.44% |
| Q4 2023 | 12.75% | 1.33% | 6.45% | 0.56% | 0.43% |
| Q1 2024 | 13.14% | 2.39% | 6.27% | 0.69% | 0.35% |
| Q2 2024 | 13.39% | 2.49% | 6.26% | 0.61% | 0.05% |
| Q3 2024 | 14.12% | 2.67% | 6.65% | 0.67% | 0.23% |
| Q4 2024 | 13.14% | 2.08% | 6.17% | 0.57% | 0.89% |
| Q1 2025 | 13.56% | 1.98% | 6.18% | 1.31% | -0.29% |
| Q2 2025 | 13.94% | 2.35% | 6.23% | 1.18% | 1.24% |
| Q3 2025 | 14.49% | 2.37% | 6.16% | 2.09% | -0.49% |
| Q4 2025 | 14.10% | 1.65% | 6.14% | 2.10% | 0.08% |
| Q1 2026 | 14.38% | 1.82% | 5.91% | 1.64% | 0.52% |
| Q2 2026 | 14.72% | 2.00% | 5.95% | 1.65% | 0.08% |
Foundation Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Foundation Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Foundation Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13955) · FFIEC NIC profile (RSSD 480853)