# FOUNDATION BANK
MC KENZIE, TN · FDIC certificate 13955 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $217.9M | |
| Deposits | $183.2M | |
| Loans and leases | $120.6M | |
| Total equity | $31.4M | |
| Loans / deposits | 64.31% (p36 of band) | 73.59% |
| Liquid assets / assets | 39.89% (p63 of band) | |
| Uninsured deposits / deposits | 17.96% (p43 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.72% (p75 of band) | 11.76% |
| Unrealized securities loss / equity | -0.63% (p81 of band) | -6.57% |
| AOCI / equity | 0.15% (p90 of band) | |
| ROA (annualized) | 1.89% (p83 of band) | 1.17% |
| Net interest margin | 6.40% (p99 of band) | 3.93% |
| Efficiency ratio | 63.72% (p44 of band) | |
| Noncurrent loans | 2.39% (p89 of band) | 0.36% |
| Net charge-offs (annualized) | 0.16% (p90 of band) | |
| Reserve coverage of noncurrent | 95.14% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 7.28% (p34 of band) | |
| Auto loans | $2.3M (1.90% of loans; DQ 3.23%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 80 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 2 |  | uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2014-09 | 3 | noncurrent p90 |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | charge-offs p90 |  |
| 2015-06 | 2 |  | uninsured deposits leaving, noncurrent p90 |
| 2015-09 | 3 | noncurrent p90 |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | charge-offs p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2018-09 | 2 | noncurrent p90 | charge-offs p90, uninsured deposits leaving |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | charge-offs p90 |  |
| 2021-06 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2026-06 | 2 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-27 [Comptroller: Library board investigation reveals 7 deficiencies - The Newport Plain Talk](https://news.google.com/rss/articles/CBMikAFBVV95cUxOaElRNTlXRkt4aXFReVVCbEx2NjEwUGNPVXZON3hfRk1aNURvNndYVWktenNzcWZuLWdCV0U5Y0xFeG5QWmI4dVJGSjNEeUZzYVoxbHYwZkpmeFdOWkFYeWNodC1kVHZKbG8xR0pOUV9lSnhjdHJ4dkpzdlZtZjExbnZORm41WmVqNmZVQVl1SVc?oc=5) · The Newport Plain Talk
- 2022-11-07 [First Foundation CEO on his journey from grocery bagger to founder of an $11 billion bank - Dallas News](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOX2xpcDR4ZkItOFptaHk0RUlObjE3c0Nhclo0Y1p3U1N4bnNMaTMzeFc0d3FOYThKUzlmMHJwV1hCRWdta1JXSkwwQjZKNmwxWjlDWlJsWDdHYm82NmszU2V1emdmSnNoMXpiUmVWOGhYX3RJbVd3VGFUd2MwR253RzMtRGFCSi1pTkhYaDhCMzB2cldXcmkxWlY5azdkREhyUlpBRXZOTGVVN3VPNUpIaGhHclVVZWt2WUg2UC1SX1pSYi1JaGhuT1V4T2dNNE94NkpLazlOWE13MnZU?oc=5) · Dallas News
- 2026-07-29 [Best high-yield savings accounts: Earn up to 5% APY without a fee - Fortune](https://news.google.com/rss/articles/CBMibkFVX3lxTFBFaFAybjNOdTh6QVNCRjc4VDk0UUFVTzJuRHdpdWFGbi1KU2dmbGV4alhtMldIa1dFdG1WdUk0NXNsbDJYMWpIME1EUUlGUG9aQzB2c2JSNk0ydzd3LUdWVnY3aDhkblQ1bFoyTkFB?oc=5) · Fortune
- 2022-04-25 [Edna Moody Obituary Apr 25, 2022 - Ridgeway Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE0wSzZBM1NnZkRkOXdFMmFqQkNEcXduOEFmNlp0Q0dFejFDR0hGQnBUc09lV2RfZkR6Q3NXTkdMVTVrZmtteTZlNTUwYUVCbU5NYWhmU2hMVDBFQTlTOGpsWTNZVFdNT1l1?oc=5) · Ridgeway Funeral Home
- 2026-03-11 [Comptroller: Cocke County library chairman routed $77K in Helene donations to outside account without board approval - WBIR](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNc3Z1bmNpUk56WHduY3ZlY3E2R0d2QnVGVDNJRWdFeUZpX3VpQVktOGVyVFpRVkNxTlZtZGZRdl9VX1lPMzZyT0xBelF4dFZmbmxqb3FFRmMzNlRXd1Q4aTNuTlVuUUkxUHpRS01SRVdhdXF6TG9qSHdaamNTdHBlbzd3Q0dVWFNOV2RZQUpOSXhGWXVjWTloRkdGSXk1aUJVVWxjX0pSb2lka2ZHQUV0SFNQV2VTZFV4SkoybDZJQ1ZKYndHT0diajBWSEt0UnYxWWFjeWhxbXEydWdrTUZIdUJ3T0stM1ZtUXc?oc=5) · WBIR
- 2023-10-02 [Aluminum cans become works of art during annual Jackson Canstruction event: in photos - jacksonsun.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOR1NBT0NGTUViTF9aQWhkMFpVWTBvTmVEOUFQb24wRlIyelVsOTQ3RUFYSUVCVDAzd1hmSlBfN0FqWmo3S1dSVllOR1FvMTZ0ZlRRWWl0VjA2eEhFT21qVldqZXY1T1UzMXFnc0hrM1VVbFBONkFfTFBSVVdRS0VlOFJEVmRZczRTRDItR01OVnVURFRfMU1rR3Jld3hHZ0R0cmFkOUZ0NUpfZUdHT080MXJvZ0NmTk1tbU94OS1ueEh6TTNoMzFPcHNfV2RWc2lrMXVDa0ktYVpZUnJhNjBQWWpZM2t4ZG1iNDd5Rw?oc=5) · jacksonsun.com
- 2025-04-24 [Best money market accounts and why you might need one - Fortune](https://news.google.com/rss/articles/CBMiZkFVX3lxTE91WmRIN3BKNl9YS0ZwcllXVWpiVTA5cm9wZTVHcWhROUpnb29ram85TnZXdWVjOXdtRVlLOHRoVml0elk0ZGZ4WEV5cHVScHJZME1YSlFxamdweWdaZElTRUMzalBHUQ?oc=5) · Fortune
- 2020-03-19 [15 More Catfish Statues Delivered In Paris - radionwtn.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQcUNRUWNpSkNkWVVLaTJxQkI2THl2NnRTc3o1V1Vvaml5a0RYNEFaN0d2Y19IMXppcjA0bTRHeTNfYTJxWFU4OUtSVXZVNjNhUzZ5Q01ydElKU1ZCaHhWZks5NmlrQVcxVEliTU1wWDF3M25Oa2JjMmkwVU9WUUtpYmNnVnp2eTg?oc=5) · radionwtn.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13955 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "13955", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide