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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Waterloo, NE · FDIC certificate #18761
FOUNDATION ONE BANK is an FDIC-insured institution based in Waterloo, NE (FDIC certificate #18761). In its Q3 2026 Call Report it reported total assets of $171M, total deposits of $146M and net loans of $127M. Its primary federal regulator is FDIC.
Plain-language readout
FOUNDATION ONE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $201M in Q1 2026 and were lowest at $171M in Q3 2026.
Total deposits were highest at $174M in Q1 2026 and lowest at $146M in Q3 2026.
Over the whole period total assets fell 15.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $171M | $146M | $127M | 0.45% | 4.22% | 3.05% |
| Q2 2026 | $182M | $156M | $130M | 0.78% | 7.49% | 3.02% |
| Q1 2026 | $201M | $174M | $138M | 0.75% | 7.38% | 2.95% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.4M | $29.6M | -$17.2M | -58.1% |
| Federal funds sold | $5.0M | $0K | +$5.0M | 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) | $28.1M | $26.1M | +$2.1M | +8.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $1.0M | -$1.0M | -100.0% |
| Net loans and leases (after allowance) | $130.0M | $137.4M | -$7.4M | -5.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.9M | $2.9M | -$65K | -2.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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) | $653K | $653K | $0K | 0.0% |
| All other assets | $3.2M | $3.2M | -$57K | -1.8% |
| Total assets | $182.2M | $200.9M | -$18.7M | -9.3% |
| Liabilities | ||||
| Total deposits | $155.5M | $174.4M | -$18.9M | -10.8% |
| 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 | $4.0M | $4.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.1M | $3.1M | -$34K | -1.1% |
| Total liabilities | $162.6M | $181.5M | -$18.9M | -10.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $412K | $412K | $0K | 0.0% |
| Surplus | $15.9M | $15.9M | $0K | 0.0% |
| Retained earnings | $3.5M | $3.2M | +$270K | +8.5% |
| Accumulated other comprehensive income | -$76K | -$62K | -$14K | -22.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $19.6M | $19.4M | +$256K | +1.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $546K | $0K | +$546K | n/a |
| Adjusted nonperforming assets | $546K | $0K | +$546K | n/a |
| Tangible equity plus allowance | $20.7M | $20.5M | +$256K | +1.3% |
| Texas ratio (gross) | 2.64% | 0.00% | +2.64 pts | See points |
| Texas ratio (adjusted) | 2.64% | 0.00% | +2.64 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.62% | 0.00% | +3.62 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) | 9.83% | 10.39% | -0.56 pts | See points |
| Construction and land loans to total capital | 78.44% | 74.40% | +4.04 pts | See points |
| Commercial real estate to total capital | 242.77% | 242.20% | +0.57 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 | -0.51% | -0.42% | -0.09 pts | See points |
| Liquidity | ||||
| Core deposits | $134.6M | $152.3M | -$17.7M | -11.6% |
| Non-core funding | $24.9M | $26.1M | -$1.2M | -4.6% |
| Loans to core deposits | 97.85% | 91.33% | +6.52 pts | See points |
| Loans to deposits | 84.69% | 79.76% | +4.93 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 28.84% | 21.89% | +6.94 pts | See points |
| Volatile liabilities | $31.7M | $36.6M | -$4.9M | -13.4% |
| Earnings | ||||
| Earnings before provision, year to date | $932K | $458K | +$474K | +103.5% |
| Earnings before provision, single quarter | $474K | $458K | +$16K | +3.5% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.33% | 6.09% | +0.24 pts | See points |
| Yield on interest-bearing balances due from banks | 1.20% | 0.53% | +0.67 pts | See points |
| Total interest income to average assets | 5.37% | 5.47% | -0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 0.25% | 0.21% | +0.04 pts | See points |
| Cost of savings and money market deposits | 3.00% | 2.72% | +0.28 pts | See points |
| Cost of time deposits | 3.89% | 3.96% | -0.08 pts | See points |
| Total interest expense to average assets | 2.57% | 2.53% | +0.04 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 | $171M | $146M | $127M | 0.45% | 4.22% | 3.05% |
| 2026-06-30 | $182M | $156M | $130M | 0.78% | 7.49% | 3.02% |
| 2026-03-31 | $201M | $174M | $138M | 0.75% | 7.38% | 2.95% |
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 |
|---|---|---|---|---|
| NE | $154.4M | 0.17% | 91 | 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.