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Foundation Bank

$100M-$1B Specialty: Other TN FDIC cert 13955

Mc Kenzie, TN

9 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Foundation Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 25.7% in tier
  • + Deposit Franchise: Top 51.8% in tier
  • + ROA 0.52% above tier average
  • + Efficiency Ratio 0.24% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 17.3% in tier
  • - Margin Compression: Bottom 72.8% in tier
Get updates when Foundation Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $218.1M
+3.2% YoY +1.9% QoQ
-$168.0M $386.1M
+0.5% YoY
$2.8B
+35.7% YoY
$6.2B
+9.1% YoY
31%
Total Loans ? $111.7M
+1.1% YoY +0.7% QoQ
-$144.1M $255.7M
+1.1% YoY
$2.0B
+36.6% YoY
$3.2B
+10.8% YoY
23%
Total Deposits ? $184.6M
+1.7% YoY +1.9% QoQ
-$143.4M $328.0M
+0.1% YoY
$2.4B
+35.2% YoY
$4.8B
+8.2% YoY
30%
Return on Assets ? 1.79%
-8.0% YoY -13.4% QoQ
+0.52% 1.27%
+12.9% YoY
1.12%
+20.1% YoY
1.23%
+13.4% YoY
81%
Net Interest Margin ? 6.37%
-4.7% YoY -5.3% QoQ
+2.44% 3.93%
+6.0% YoY
3.93%
+7.0% YoY
3.89%
+5.7% YoY
Top 1.0% in tier
Efficiency Ratio ? 65.04%
+5.2% YoY +6.0% QoQ
-0.24% 65.29%
-4.5% YoY
66.13%
-5.5% YoY
66.95%
-4.1% YoY
44%
Delinquency Rate ? 2.32%
+22.1% YoY -21.2% QoQ
+1.43% 0.89%
+18.8% YoY
0.68%
+13.4% YoY
0.95%
+18.8% YoY
Bottom 9.5% in tier
Loan-to-Deposit Ratio ? 60.48%
-0.6% YoY -1.2% QoQ
-16.15% 76.64%
+0.8% YoY
79.84%
+2.1% YoY
76.70%
+0.9% YoY
81%
Non-Interest-Bearing Deposit Share ? 29.47%
-4.2% YoY -4.7% QoQ
+7.45% 22.02%
-1.0% YoY
18.48%
-3.8% YoY
22.01%
-1.2% YoY
80%
Nonperforming Asset Ratio ? 1.27%
+27.7% YoY -21.0% QoQ
+0.63% 0.64%
+19.7% YoY
0.56%
+16.1% YoY
0.67%
+19.3% YoY
Bottom 14.6% in tier
Tier 1 Capital Ratio ? 14.38%
+6.1% YoY +2.0% QoQ
-1.45% 15.83%
+1.5% YoY
14.23%
-1.0% YoY
17.06%
+0.8% YoY
61%
Non-Interest Income / Assets ? 0.27%
+9.1% YoY -77.6% QoQ
-0.01% 0.28%
+9.3% YoY
0.17%
-1.0% YoY
0.32%
+4.1% YoY
Top 7.8% in tier

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#172 of 666 • Top 25.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.27%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 1.79%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth
#142 of 272 • Top 51.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 29.47%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 6.37%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk
#169 of 973 • Bottom 17.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ

Margin Compression

decline
#223 of 305 • Bottom 72.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.79%
(Tier: 1.27%, National: 1.23%)
better than tier avg
305 of 305 Community banks match · 407 nationally
↑ Growing +94 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

27
Net Interest Margin
profitability
Value: 6.37%
Peer Median: 3.93%
#27 of 2664 Top 1.0% in $100M-$1B
210
Non-Interest Income / Assets
revenue_mix
Value: 0.27%
Peer Median: 0.28%
#210 of 2664 Top 7.8% in $100M-$1B
498
Return on Assets
profitability
Value: 1.79%
Peer Median: 1.27%
#498 of 2664 Top 18.7% in $100M-$1B
512
Loan-to-Deposit Ratio
liquidity
Value: 60.48%
Peer Median: 76.64%
#512 of 2664 Top 19.2% in $100M-$1B
521
Non-Interest-Bearing Deposit Share
funding
Value: 29.47%
Peer Median: 22.02%
#521 of 2664 Top 19.5% in $100M-$1B

Top Weaknesses (3 metrics)

2402
Delinquency Rate
credit_quality
Value: 2.32%
Peer Median: 0.89%
#2402 of 2654 Bottom 9.5% in $100M-$1B
2276
Nonperforming Asset Ratio
credit_quality
Value: 1.27%
Peer Median: 0.64%
#2276 of 2664 Bottom 14.6% in $100M-$1B
2043
Total Loans
size
Value: $111.66M
Peer Median: $255.72M
#2043 of 2664 Bottom 23.3% in $100M-$1B
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