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Foundation Bank
Mc Kenzie, TN · FDIC Certificate #13955 · Chartered 02/2
Total assets
$217.91M
Total deposits
$183.22M
Total equity
$31.41M
Net loans
$117.84M
Branches (offices)
7
Net income (YTD)
$2.04M
Rank: #2,874 of 4,213 U.S. banks by assets · #89 of 109 in Tennessee. Assets changed 3.6% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.89% |
| Return on equity | 13.47% |
| Net interest margin (YTD) | 6.40% |
| Equity to assets | 14.41% |
| Tier 1 leverage ratio | 14.72% |
| Uninsured deposits (share of deposits) | 18.0% |
| Noncurrent loans (share of loans) | 2.39% |
| Net charge-offs (share of loans) | 0.29% |
| Loans to deposits | 64.3% |
| Real estate loans (share of loans) | 70.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $82.43M | 70.0% | |
| Commercial & industrial | $13.60M | 11.5% | |
| Consumer / individual | $6.60M | 5.6% | |
| Construction & development | $2.29M | 1.9% | |
| Agricultural | $169.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $192.55M | $171.18M | $2.46M | $19.61M |
| Jun 2023 | $189.45M | $165.63M | $2.56M | $21.73M |
| Jun 2024 | $198.26M | $170.81M | $2.38M | $24.90M |
| Jun 2025 | $210.39M | $178.68M | $2.25M | $28.45M |
| Jun 2026 | $217.91M | $183.22M | $2.04M | $31.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $183.22M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $183.22M.
Similar-sized banks
Valley Bank Of Ronan ($218.06M) · Mount Vernon Bank ($217.56M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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