Foundation Bank: how it compares with its peers
Against 44 TN banks with half to twice its assets, Foundation Bank's strongest measure in Q2 2026 is net interest margin (6.40% vs. a 4.01% peer median). Its weakest relative measure is assets per employee ($2.7M vs. $6.0M).
| Measure | Foundation Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.89% | 0.92% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.40% | 4.01% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.72% | 66.86% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.7M | $6.0M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.31% | 82.44% | Context |
What it means for lending operations
Its efficiency ratio of 63.72% is better than the 66.86% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Peoples Bank of Tennessee Jefferson City, TN · $220M
- Security Bank Newbern, TN · $224M
- First Farmers & Commercial Bank Pikeville, TN · $226M
- Bank of Lincoln County Fayetteville, TN · $230M
- Greeneville Federal Bank, FSB Greeneville, TN · $204M
- Peoples Bank of the South La Follette, TN · $232M
Questions about Foundation Bank
How big is Foundation Bank?
Foundation Bank, established in 1934, is headquartered in Mc Kenzie, TN. It reported $218M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Foundation Bank's return on assets?
1.89% annualized in Q2 2026, against a 0.92% median for 44 TN banks with half to twice its assets, ahead of 89% of them.
What is Foundation Bank's efficiency ratio?
63.72% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 66.86%, and lower is better.
Is Foundation Bank growing its loans?
Net loans grew 5.0% over the year to Q2 2026, while deposits grew 2.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.