Foundation One Bank: how it compares with its peers
Against 50 NE banks with half to twice its assets, Foundation One Bank's strongest measure in Q2 2026 is assets per employee ($11.4M vs. a $8.0M peer median). Its weakest relative measure is net interest margin (3.02% vs. 3.93%).
| Measure | Foundation One Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.78% | 1.34% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.02% | 3.93% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.55% | 58.86% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.4M | $8.0M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.59% | 85.51% | Context |
What it means for lending operations
Its efficiency ratio of 66.55% is above the 58.86% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- United Republic Bank Elkhorn, NE · $186M
- Brunswick State Bank Brunswick, NE · $176M
- Cedar Rapids State Bank Cedar Rapids, NE · $175M
- South Central State Bank Campbell, NE · $192M
- Western Nebraska Bank Curtis, NE · $193M
- First National Bank in Ord Ord, NE · $166M
Questions about Foundation One Bank
How big is Foundation One Bank?
Foundation One Bank, established in 1905, is headquartered in Waterloo, NE. It reported $182M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Foundation One Bank's return on assets?
0.78% annualized in Q2 2026, against a 1.34% median for 50 NE banks with half to twice its assets, ahead of 10% of them.
What is Foundation One Bank's efficiency ratio?
66.55% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 58.86%, and lower is better.
Is Foundation One Bank growing its loans?
Net loans shrank 12.0% over the year to Q2 2026, while deposits grew 0.7%.
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 NE 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 Nebraska bank ranked.