BlastPoint's Banking Scorecard
Foundation Bank
Micro
Specialty: Other
TN
FDIC cert 13955
Designations: ✓ Community bank
Mc Kenzie, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Foundation Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.98% above tier
- + Net Interest Margin 2.87% above tier
- + Non-Interest Income / Assets 0.65% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.30% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$214.1M
+3.7% YoY
+1.6% QoQ
|
-$3.4M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$110.9M
+0.3% YoY
-1.2% QoQ
|
-$28.3M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$181.1M
+2.0% YoY
+2.0% QoQ
|
-$2.5M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
2.07%
-13.6% YoY
-6.6% QoQ
|
+0.98% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
6.72%
-3.4% YoY
-0.3% QoQ
|
+2.87% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
61.34%
+4.9% YoY
+4.2% QoQ
|
-6.38% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
2.94%
+156.6% YoY
+4.3% QoQ
|
+2.30% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
61.21%
-1.7% YoY
-3.1% QoQ
|
-13.31% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
30.92%
-0.3% YoY
+0.3% QoQ
|
+8.53% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
1.61%
+160.5% YoY
+6.9% QoQ
|
+1.16% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.22%
-13.4% YoY
+28.4% QoQ
|
+0.65% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.07%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.72%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.22%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.94%
(Tier avg: 0.64%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Net Interest Margin
Current: 6.72% · Tier avg: 3.85%
94
94th pctile
Non-Interest Income / Assets
Current: 1.22% · Tier avg: 0.56%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.92% · Tier avg: 22.39%
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.21% · Tier avg: 74.53%
63
63th pctile
Efficiency Ratio
Current: 61.34% · Tier avg: 67.73%
55
55th pctile
Total Assets
Current: $214.1M · Tier avg: $217.5M
55
55th pctile
Total Deposits
Current: $181.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Loans
Current: $110.9M · Tier avg: $139.2M
10
10th pctile
Nonperforming Asset Ratio
Current: 1.61% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 2.94% · Tier avg: 0.64%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.94% · Tier avg: 0.64%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.61% · Tier avg: 0.45%
47
47th pctile
Total Loans
Current: $110.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Deposits
Current: $181.1M · Tier avg: $183.7M
55
55th pctile
Total Assets
Current: $214.1M · Tier avg: $217.5M
63
63th pctile
Efficiency Ratio
Current: 61.34% · Tier avg: 67.73%
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.21% · Tier avg: 74.53%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.92% · Tier avg: 22.39%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
94
94th pctile
Non-Interest Income / Assets
Current: 1.22% · Tier avg: 0.56%
99
99th pctile
Net Interest Margin
Current: 6.72% · Tier avg: 3.85%