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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Mc Kenzie, TN · FDIC certificate #13955
FOUNDATION BANK is an FDIC-insured institution based in Mc Kenzie, TN (FDIC certificate #13955). In its Q3 2026 Call Report it reported total assets of $222M, total deposits of $185M and net loans of $123M. Its primary federal regulator is FDIC.
Plain-language readout
FOUNDATION BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $222M in Q3 2026 and were lowest at $218M in Q2 2026.
Total deposits were highest at $185M in Q3 2026 and lowest at $183M in Q2 2026.
Over the whole period total assets rose 1.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $222M | $185M | $123M | 2.01% | 14.17% | 6.44% |
| Q2 2026 | $218M | $183M | $118M | 1.89% | 13.47% | 6.40% |
| Q1 2026 | $218M | $185M | $112M | 1.79% | 12.98% | 6.37% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $67.7M | $72.5M | -$4.8M | -6.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $19.2M | $21.2M | -$2.0M | -9.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $117.8M | $111.7M | +$6.2M | +5.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.1M | $6.2M | -$66K | -1.1% |
| Other real estate owned | $188K | $188K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.8M | $6.4M | +$443K | +6.9% |
| Total assets | $217.9M | $218.1M | -$164K | -0.1% |
| Liabilities | ||||
| Total deposits | $183.2M | $184.6M | -$1.4M | -0.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.3M | $3.1M | +$142K | +4.5% |
| Total liabilities | $186.5M | $187.8M | -$1.3M | -0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $250K | $250K | $0K | 0.0% |
| Surplus | $1.1M | $1.1M | $0K | 0.0% |
| Retained earnings | $30.4M | $29.3M | +$1.1M | +3.7% |
| Accumulated other comprehensive income | -$323K | -$338K | +$15K | +4.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $31.4M | $30.3M | +$1.1M | +3.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.1M | $2.8M | +$293K | +10.6% |
| Adjusted nonperforming assets | $3.1M | $2.8M | +$293K | +10.6% |
| Tangible equity plus allowance | $34.2M | $33.0M | +$1.1M | +3.3% |
| Texas ratio (gross) | 8.98% | 8.39% | +0.59 pts | See points |
| Texas ratio (adjusted) | 8.98% | 8.39% | +0.59 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 9.07% | 8.49% | +0.58 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 14.72% | 14.38% | +0.34 pts | See points |
| Construction and land loans to total capital | 6.64% | 5.16% | +1.48 pts | See points |
| Commercial real estate to total capital | 11.81% | 10.75% | +1.06 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.62% | -0.81% | +0.19 pts | See points |
| Liquidity | ||||
| Core deposits | $169.8M | $172.7M | -$2.9M | -1.7% |
| Non-core funding | $13.4M | $11.9M | +$1.6M | +13.1% |
| Loans to core deposits | 71.02% | 66.22% | +4.80 pts | See points |
| Loans to deposits | 65.81% | 61.96% | +3.85 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 82.82% | 88.98% | -6.16 pts | See points |
| Loans pledged, share of loans | 52.74% | 52.31% | +0.44 pts | See points |
| Volatile liabilities | $13.4M | $11.9M | +$1.6M | +13.1% |
| Earnings | ||||
| Earnings before provision, year to date | $2.8M | $1.3M | +$1.5M | +113.6% |
| Earnings before provision, single quarter | $1.5M | $1.3M | +$179K | +13.6% |
| Provision for credit losses, year to date | $75K | $38K | +$37K | +97.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.02% | 6.08% | -0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 3.94% | 3.46% | +0.49 pts | See points |
| Total interest income to average assets | 7.19% | 7.13% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.74% | 0.69% | +0.04 pts | See points |
| Cost of savings and money market deposits | 1.41% | 1.36% | +0.05 pts | See points |
| Cost of time deposits | 3.46% | 3.49% | -0.03 pts | See points |
| Total interest expense to average assets | 1.19% | 1.16% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $222M | $185M | $123M | 2.01% | 14.17% | 6.44% |
| 2026-06-30 | $218M | $183M | $118M | 1.89% | 13.47% | 6.40% |
| 2026-03-31 | $218M | $185M | $112M | 1.79% | 12.98% | 6.37% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $178.7M | 0.08% | 125 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.