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Foundation One Bank
Waterloo, NE · FDIC Certificate #18761 · Chartered 01/0
Total assets
$182.24M
Total deposits
$155.53M
Total equity
$19.64M
Net loans
$130.00M
Branches (offices)
3
Net income (YTD)
$725.00K
Rank: #3,100 of 4,213 U.S. banks by assets · #84 of 138 in Nebraska. Assets changed 0.9% and deposits 0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.78% |
| Return on equity | 7.49% |
| Net interest margin (YTD) | 3.02% |
| Equity to assets | 10.78% |
| Tier 1 leverage ratio | 9.83% |
| Uninsured deposits (share of deposits) | 29.8% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.6% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $111.62M | 85.9% | |
| Commercial & industrial | $18.63M | 14.3% | |
| Consumer / individual | $1.49M | 1.1% | |
| Construction & development | $16.31M | 12.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $167.12M | $141.62M | $565.00K | $15.82M |
| Jun 2023 | $167.83M | $136.46M | $358.00K | $17.64M |
| Jun 2024 | $180.63M | $149.23M | $160.00K | $18.32M |
| Jun 2025 | $180.68M | $154.40M | $337.00K | $18.83M |
| Jun 2026 | $182.24M | $155.53M | $725.00K | $19.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $155.53M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $155.53M.
Similar-sized banks
First National Bank Of Bosque County ($182.29M) · 42 North Private Bank ($182.16M)
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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