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Foundation One Bank

$100M-$1B Specialty: Commercial NE FDIC cert 18761

Waterloo, NE

3 branches across NE

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 81 in NE.
  • Deposits +0.7% year over year ($155.5M on the books).
  • Delinquency rate 0.42%.
  • Return on assets 0.78%.
  • Efficiency ratio 66.55% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.59% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

Foundation One Bank has 1 strength but faces 7 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

  • + Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 13.2% in tier
  • - Flatlined Growth: Bottom 28.9% in tier
  • - Credit Quality Pressure: Bottom 34.2% in tier
  • - Non-Interest Income / Assets 0.52% below tier average
  • - ROA 0.55% below tier average
  • - Net Interest Margin 0.97% below tier average
  • - Efficiency Ratio 2.07% above tier average
Get updates when Foundation One Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $182.2M
+0.9% YoY -9.3% QoQ
-$204.3M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $130.0M
-12.0% YoY -6.1% QoQ
-$128.3M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $155.5M
+0.7% YoY -10.8% QoQ
-$171.2M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
23%
Return on Assets ? 0.78%
+105.8% YoY +3.4% QoQ
-0.55% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 3.02%
+1.9% YoY +2.3% QoQ
-0.97% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
Bottom 10.3% in tier
Efficiency Ratio ? 66.55%
-13.2% YoY -0.5% QoQ
+2.07% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 0.42%
+73.3% YoY
-0.50% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 83.59%
-12.6% YoY +5.3% QoQ
+5.63% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 14.79%
-7.5% YoY +11.5% QoQ
-7.25% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 0.30%
+51.2% YoY
-0.37% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 9.83%
-2.9% YoY -5.4% QoQ
-6.08% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 8.4% in tier
Non-Interest Income / Assets ? 0.05%
-27.0% YoY +102.9% QoQ
-0.52% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
Bottom 5.8% in tier

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 (NE) National Avg Tier Percentile
Noninterest-Bearing 14.8%
-1.2pp YoY
+1.5pp QoQ
 -7.4pp 22.1% 17.6% 22.2% 23%
Brokered Deposits n/a n/a 7.9% 8.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 14.3%
-4.4pp YoY
-1.3pp QoQ
 +2.8pp 11.6% 12.3% 12.5% 74%
CRE 48.0%
+1.5pp YoY
+1.5pp QoQ
 +8.5pp 39.5% 32.3% 41.4% 67%
1-4 Family 30.5%
+0.8pp YoY
-0.6pp QoQ
 -2.1pp 32.6% 16.9% 31.3% 52%
Consumer 1.1%
0.0pp YoY
+0.1pp QoQ
 -3.0pp 4.1% 3.1% 5.0% 32%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.1% 19.7% n/a
Leverage Ratio 9.8%
-0.3pp YoY
-0.6pp QoQ
 -2.3pp 12.2% 12.1% 12.6% 27%
Total Capital Ratio n/a n/a 19.9% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 16
-3 (-15.8%) YoY
0 QoQ
 -43 58 98 482 5%
Assets per Employee ($) $11.4M
+19.8% YoY
-9.3% QoQ
 +$3.9M $7.5M $8.5M $8.8M 91%
Branch Count 3
0 YoY
0 QoQ
 -2 4 7 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.4%
+0.3pp YoY
 +0.1pp 0.3% 0.4% 0.4% 80%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 3.16x
-36.6% YoY
 -20.99x 24.15x 31.69x 20.23x 60%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 7.5%
+3.9pp YoY
+0.1pp QoQ
 -4.7pp 12.2% 12.3% 11.6% 23%
Cost of Funds (YTD) 2.7%
-0.2pp YoY
+0.1pp QoQ
 +1.0pp 1.7% 1.9% 1.7% 93%
Net Income ($, YTD) $725,000
+115.1% YoY
— QoQ
 -$1.8M $2.6M $6.1M $40.4M 17%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk
#88 of 661 • Bottom 13.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.83%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#154 of 529 • Bottom 28.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.78%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#430 of 1256 • Bottom 34.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.42%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2491
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2491 of 2643 Bottom 5.8% in $100M-$1B
2421
Tier 1 Capital Ratio
capital
Value: 9.83%
Peer Median: 15.91%
#2421 of 2643 Bottom 8.4% in $100M-$1B
2371
Net Interest Margin
profitability
Value: 3.02%
Peer Median: 3.99%
#2371 of 2643 Bottom 10.3% in $100M-$1B
2065
Total Assets
size
Value: $182.24M
Peer Median: $386.57M
#2065 of 2643 Bottom 21.9% in $100M-$1B
2061
Return on Assets
profitability
Value: 0.78%
Peer Median: 1.32%
#2061 of 2643 Bottom 22.1% in $100M-$1B
2044
Total Deposits
size
Value: $155.53M
Peer Median: $326.73M
#2044 of 2643 Bottom 22.7% in $100M-$1B
2024
Non-Interest-Bearing Deposit Share
funding
Value: 14.79%
Peer Median: 22.03%
#2024 of 2643 Bottom 23.5% in $100M-$1B
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