Foundation One Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Foundation One Bank of Waterloo, NE 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 | 0.76% | 1.25% | -0.49% | 20th bottom |
| ROAE | 7.59% | 12.22% | -4.63% | 22nd bottom |
| Net Interest Margin | 2.89% | 3.95% | -1.06% | 7th bottom |
| Efficiency Ratio | 66.23% | 63.71% | +2.52% | 36th below |
| PPNR / Avg Assets | 0.97% | — | — | 18th bottom |
| Yield on Earning Assets | 5.55% | 5.67% | -0.12% | 47th below |
| Cost of Funds | 2.93% | 1.87% | +1.06% | 6th bottom |
| Net Interest Spread | 2.12% | — | — | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 0.88% | -0.47% | 50th above |
| NPA / Total Assets | 0.30% | — | — | 51st above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.31% | — | — | 63rd above |
| ACL / NPLs (Coverage) | 315.93% | — | — | 60th above |
| Texas Ratio | 2.64% | 5.96% | -3.32% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.83% | 11.75% | -1.92% | 27th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.78% | 10.98% | -0.20% | 56th above |
| TCE / Tangible Assets | 10.46% | — | — | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.69% | 80.44% | +4.25% | 41st below |
| Core Deposit Ratio | 86.56% | 86.95% | -0.39% | 37th below |
| Wholesale Funding Ratio | 2.19% | — | — | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.87% | — | — | 24th bottom |
| Loan Growth (Y/Y) | -11.88% | — | — | 2nd bottom |
| Deposit Growth (Y/Y) | 0.73% | — | — | 27th below |
See Foundation One Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Foundation One 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 One 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 One Bank peer analysis.