TellerScore

Foundation Bank (FDIC certificate #13955) is based in Mc Kenzie, Tennessee. Its Q2 2026 call report shows $217.9M in total assets and $183.2M in deposits and 8 offices.

Foundation Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 39th. Capital cushion contributes the most (97/100, 14.72%); loan quality contributes the least (20/100, 2.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Tier 1 leverage ratio: 14.72%
Loan quality20/100
Noncurrent loans ÷ total loans: 2.39%
Earnings95/100
Return on assets (annualized): 1.89%
Funding & liquidity92/100
Loans ÷ deposits and uninsured-deposit share: 64.3% · 18.0% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.98%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (79 → 75), mostly because the loan quality component weakened by 17 points.

TellerScore
707885Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202485
Q4 202483
Q1 202578
Q2 202579
Q3 202573
Q4 202570
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%9.86%14.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.39%
Q3 202414.12%
Q4 202413.14%
Q1 202513.56%
Q2 202513.94%
Q3 202514.49%
Q4 202514.10%
Q1 202614.38%
Q2 202614.72%
Noncurrent loans
1.09%1.98%2.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.09%
Q3 20241.29%
Q4 20241.12%
Q1 20251.85%
Q2 20251.89%
Q3 20252.75%
Q4 20252.87%
Q1 20262.26%
Q2 20262.39%
Return on assets
1.79%2.15%2.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.43%
Q3 20242.50%
Q4 20242.39%
Q1 20251.95%
Q2 20252.14%
Q3 20252.22%
Q4 20252.07%
Q1 20261.79%
Q2 20261.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$217.9M14.72%2.39%1.89%64.3%
Q1 202675$218.1M14.38%2.26%1.79%60.5%
Q4 202570$214.1M14.10%2.87%2.07%61.2%
Q3 202573$210.6M14.49%2.75%2.22%63.2%
Q2 202579$210.4M13.94%1.89%2.14%62.8%
Q1 202578$211.4M13.56%1.85%1.95%60.9%
Q4 202483$206.5M13.14%1.12%2.39%62.3%
Q3 202485$199.8M14.12%1.29%2.50%64.6%
Q2 202485$198.3M13.39%1.09%2.43%64.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.72%
85th
Total risk-based capital0.00%
24th
Problem loans2.39%
9th
Net charge-offs0.29%
9th
Return on assets1.89%
84th
Net interest margin6.40%
99th
Efficiency ratio63.7%
46th
Loans to deposits64.3%
77th
Uninsured deposits18.0%
72nd
Loan-loss reserves2.27%
96th
Texas ratio9.0%
21st

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
First Peoples Bank of TennesseeBank Jefferson City, TN75 out of 100, Strong$219.5M11.4%0.08%vs
Security BankBank Newbern, TN70 out of 100, Strong$224.1M10.5%0.54%vs
First Farmers & Commercial BankBank Pikeville, TN71 out of 100, Strong$226.4M9.9%0.07%vs
Bank of Lincoln CountyBank Fayetteville, TN86 out of 100, Very strong$230.1M12.2%0.01%vs
Greeneville Federal Bank, FSBBank Greeneville, TN68 out of 100, Moderate$203.9M15.6%2.06%vs
Peoples Bank of the SouthBank La Follette, TN76 out of 100, Strong$232.0M12.4%0.85%vs

Deposit insurance

Is my money safe at Foundation Bank?

Yes. Foundation Bank is an FDIC-insured institution (FDIC certificate #13955). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.0% of deposits ($32.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.72%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Foundation Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Foundation Bank reported 106 home-loan applications under HMDA (LEI 5493001TKHVR1XBO7H51): 71 originated ($13,335,000 total), 19 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Foundation Bank
Former names
McKenzie Banking Company
Type
State-chartered bank
FDIC certificate #
13955
RSSD ID
480853
Primary regulator
FDIC
Holding company
Foundation Finl Holdings Inc
Established
February 28, 1934
Headquarters
676 Main St N, Mc Kenzie, TN 38201
Employees
80

Quick answers

Foundation Bank: common questions

Is Foundation Bank FDIC insured?

Yes. Foundation Bank is an FDIC-insured institution (FDIC certificate #13955). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Foundation Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Foundation Bank ever failed?

There is no failure record for FDIC certificate #13955 in the FDIC failed bank list.

How many branches does Foundation Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mc Kenzie

InstitutionScoreAssetsCapitalProblem loansCompare
Johnsonville TVA Employees Credit UnionCredit union Camden, TN92 out of 100, Very strong$180.7M16.4%0.73%vs
Bank of GleasonBank Gleason, TN90 out of 100, Very strong$138.5M20.9%0.14%vs
Wcg Employees Credit UnionCredit union Martin, TN89 out of 100, Very strong$1.0M21.8%0.00%vs
Holley Credit UnionCredit union Paris, TN85 out of 100, Very strong$105.3M13.8%0.51%vs
Commercial Bank & Trust Co.Bank Paris, TN80 out of 100, Strong$1.1B12.1%0.15%vs
Security Bank and Trust CompanyBank Paris, TN79 out of 100, Strong$1.7B10.9%0.02%vs