BlastPoint's Banking Scorecard
Foundation Bank
Mc Kenzie, TN
8 branches across TN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
- Deposits +2.5% year over year ($183.2M on the books).
- Delinquency rate 2.44%.
- Return on assets 1.89%.
- Efficiency ratio 63.72% vs a 64.48% peer average.
- Loan-to-deposit ratio 64.31% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Foundation Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 18.6% in tier
- + Deposit Franchise: Top 46.4% in tier
- + ROA 0.56% above tier average
- + Efficiency Ratio 0.75% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 44.9% in tier
- - Margin Compression: Bottom 69.4% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$217.9M
+3.6% YoY
-0.1% QoQ
|
-$168.7M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$117.8M
+5.0% YoY
+5.5% QoQ
|
-$140.5M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$183.2M
+2.5% YoY
-0.8% QoQ
|
-$143.5M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
30% |
| Return on Assets ? |
1.89%
-12.0% YoY
+5.3% QoQ
|
+0.56% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
6.40%
-5.1% YoY
+0.5% QoQ
|
+2.41% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
Top 1.0% in tier |
| Efficiency Ratio ? |
63.72%
+7.4% YoY
-2.0% QoQ
|
-0.75% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
2.44%
+26.6% YoY
+5.5% QoQ
|
+1.52% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.1% in tier |
| Loan-to-Deposit Ratio ? |
64.31%
+2.4% YoY
+6.3% QoQ
|
-13.64% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
30.31%
-2.1% YoY
+2.9% QoQ
|
+8.28% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
1.41%
+36.0% YoY
+10.6% QoQ
|
+0.74% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.1% in tier |
| Tier 1 Capital Ratio ? |
14.72%
+5.6% YoY
+2.4% QoQ
|
-1.19% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.62%
+15.0% YoY
+128.8% QoQ
|
+0.06% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
Top 6.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.3%
-0.7pp YoY +0.8pp QoQ |
+8.2pp | 22.1% | 18.8% | 22.2% | 83% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.5%
-0.7pp YoY -0.7pp QoQ |
0.0pp | 11.6% | 10.9% | 12.5% | 61% |
| CRE |
6.9%
-1.1pp YoY -0.3pp QoQ |
-32.6pp | 39.5% | 42.4% | 41.4% | 2% |
| 1-4 Family |
59.3%
+4.9pp YoY +1.2pp QoQ |
+26.7pp | 32.6% | 39.8% | 31.3% | 90% |
| Consumer |
5.6%
-1.0pp YoY 0.0pp QoQ |
+1.5pp | 4.1% | 4.5% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
14.7%
+0.8pp YoY +0.3pp QoQ |
+2.6pp | 12.2% | 11.4% | 12.6% | 85% |
| Total Capital Ratio | n/a | n/a | 19.9% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
80
-5 (-5.9%) YoY -1 (-1.2%) QoQ |
+21 | 58 | 270 | 482 | 77% |
| Assets per Employee ($) |
$2.7M
+10.1% YoY +1.2% QoQ |
-$4.8M | $7.5M | $7.1M | $8.8M | 1% |
| Branch Count |
8
-1 (-11.1%) YoY 0 QoQ |
+3 | 4 | 17 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.8%
0.0pp YoY +0.1pp QoQ |
+0.5pp | 0.3% | 0.2% | 0.4% | 89% |
| Nonaccrual |
1.7%
+0.5pp YoY 0.0pp QoQ |
+0.7pp | 0.9% | 0.7% | 1.0% | 84% |
| Allowance Coverage |
0.95x
-21.7% YoY -9.7% QoQ |
-23.20x | 24.15x | 28.97x | 20.23x | 25% |
| Net Charge-off Rate (YTD) |
0.3%
-0.2pp YoY -0.2pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 90% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.5%
-3.1pp YoY +0.5pp QoQ |
+1.3pp | 12.2% | 10.9% | 11.6% | 59% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 2.0% | 1.7% | 22% |
| Net Income ($, YTD) |
$2.0M
-9.0% YoY — QoQ |
-$511K | $2.6M | $16.7M | $40.4M | 53% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.