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.

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 65).

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

Similar-size banks in Nebraska

Yes. Foundation One Bank is an FDIC-insured institution (FDIC certificate #18761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.8% of deposits ($46.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.83%, 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

Foundation One Bank lists 3 offices in 2 cities. Most locations:

• Omaha, NE (2)
• Waterloo, NE (1)

All branch addresses and map

In 2025, Foundation One Bank reported 53 home-loan applications under HMDA (LEI 549300PGUFTU637ZN698): 52 originated ($16,830,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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.

Legal name

Foundation One Bank

Former names

Waterloo State Bank; Western State Bank; Foundation First Bank; Leshara State Bank

Type

State-chartered bank

FDIC certificate #

18761

RSSD ID

102557

Primary regulator

FDIC

Holding company

Foundation First Corp

Established

January 1, 1905

Headquarters

23804 Cedar Dr, Waterloo, NE 68069

Website

www.foundationonebank.com

Employees

16