# FOUNDATION ONE BANK
WATERLOO, NE · FDIC certificate 18761 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $182.2M | |
| Deposits | $155.5M | |
| Loans and leases | $131.7M | |
| Total equity | $19.6M | |
| Loans / deposits | 83.59% (p68 of band) | 73.59% |
| Liquid assets / assets | 25.00% (p32 of band) | |
| Uninsured deposits / deposits | 29.82% (p81 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.19% (p60 of band) | |
| FHLB advances / assets | 2.19% | |
| Tier 1 leverage | 9.83% (p22 of band) | 11.76% |
| Unrealized securities loss / equity | -0.49% (p82 of band) | -6.57% |
| AOCI / equity | -0.30% (p54 of band) | |
| ROA (annualized) | 0.78% (p29 of band) | 1.17% |
| Net interest margin | 3.02% (p13 of band) | 3.93% |
| Efficiency ratio | 66.55% (p52 of band) | |
| Noncurrent loans | 0.41% (p52 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 315.93% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 83.02% (p91 of band) | |
| Auto loans | $116,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 16 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 0 |  | losing money, expense ratio p90 |
| 2012-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | loans exceed deposits |  |
| 2013-03 | 0 |  | loans exceed deposits |
| 2013-06 | 1 | loans exceed deposits |  |
| 2013-09 | 0 |  | loans exceed deposits |
| 2013-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | loans exceed deposits |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 3 | reserve under noncurrent |  |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 0 |  | loans exceed deposits, capital falling |
| 2015-12 | 1 | loans exceed deposits |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | liquid assets <10%, capital falling |  |
| 2017-03 | 1 |  | liquid assets <10%, capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | liquid assets <10%, capital falling |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | uninsured deposits leaving |  |
| 2018-09 | 2 | reserve under noncurrent | liquid assets <10%, uninsured deposits leaving |
| 2018-12 | 3 | liquid assets <10%, capital falling | reserve under noncurrent |
| 2019-03 | 1 |  | liquid assets <10%, capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | loans exceed deposits |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 3 | loans exceed deposits, wholesale funding >15% | charge-offs p90 |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 | liquid assets <10% | wholesale funding >15% |
| 2021-03 | 1 |  | liquid assets <10% |
| 2021-06 | 4 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2021-09 | 3 | construction >100% equity | loans exceed deposits, capital falling |
| 2021-12 | 1 |  | reserve under noncurrent, construction >100% equity |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 2 | loans exceed deposits |  |
| 2022-12 | 3 | deposits shrinking |  |
| 2023-03 | 4 | construction >100% equity, uninsured deposits leaving | charge-offs p90 |
| 2023-06 | 3 |  | deposits shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | capital falling, NIM <2.5% | loans exceed deposits |
| 2024-06 | 3 |  | construction >100% equity |
| 2024-09 | 4 | construction >100% equity |  |
| 2024-12 | 2 |  | uninsured deposits leaving, capital falling |
| 2025-03 | 1 |  | NIM <2.5% |
| 2025-06 | 2 | charge-offs p90 |  |
| 2025-09 | 0 |  | construction >100% equity, charge-offs p90 |
| 2025-12 | 1 | charge-offs p90 |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

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

- 2024-02-02 [Former Omaha bank employee gets time served for bank fraud - WOWT](https://news.google.com/rss/articles/CBMikAFBVV95cUxQbG1zdGV4SGJESnZhTEx4S1NTWjVFREo4NUxONmxkQzdfc0FDOVhDM1dodjM0empnRUZnck9KXy01V1BVUWlFWWdkZ19lcGUzN3dkbHNzUEV1YlNVT29abTJCbGVzeV8tU2FKVXM5LTd1UDJ4djBhWmpZd05vWWlvNHNBTWQwUXBsXzRZWmJkR3TSAaQBQVVfeXFMTXFybWpiRGNXYnYxQ2NoaWNSR216MXlEZng1SHdIeVpKbHlHNXBDeDNjd1ktZllhZy1BNFlBSkNhaHBPd3hfSXdpZXhJYl9NMTNvN2hIbDNwYjloQjQzYU43NHpDV05sOTA0OVA3dUhZTmQtdlhSejA1OXRHT0h1NWw3Tlo2UlBxY1YzNFZqRlhLX25ZMGVPODdxNGhVTFhGN1ZlVXA?oc=5) · WOWT
- 2026-03-19 [Ex-CFO of Nebraska lender convicted of bank fraud - Banking Dive](https://news.google.com/rss/articles/CBMihgFBVV95cUxQUkotbGRQTzRjdE9jQmstejh4R21nYVJXY213VDc0eWljY2NLWVA1NG5fcDhsX2t2aEhGOVg4WXZZTmZNUlhkcFJTemtfTmhQamowRVVwYXJ5R2NlTGo4OHJvR2ZBZ3dxdUhhZUY3eDRqMm1hWTA2cldNNS1TM0poeUdLb1Y5dw?oc=5) · Banking Dive
- 2024-07-18 [These 20 KC-area banking professionals can enrich your business network - Kansas City Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxPbzJUdHF0eEhlLWFEYUdqWE5kckZjMWNTNlR1ajlvNmVzZ0VrUlJGeG0wY20zSG90VGt6d2Q0dkp0cUFUZTNvVlh4SmlSQXo2NVF5MVE2YTY2NmhYWmxqTTg4OENQVzNrbmxyNVBnZTZBVTNfOGF5U3hSdW83RVg4V1Y2SWZPcUJTZ0hoUHdLOTFyQjM2?oc=5) · The Business Journals
- 2024-02-02 [Modified weapon found during traffic stop leads to drug gang bust - WOWT](https://news.google.com/rss/articles/CBMimwFBVV95cUxQSFhYZnZJUHRGd242X1lLSXAzVzN4bC1GVDhQYzlfakloa1FiRDlEY3JmNG1YNHdaOXVTMm5Icm1TcTNqN0tYWjBUVVBJWW4yTzluZEZZVDRsblp6Z2tjV1EyODlZRTJuMnI2U3hEeTh3YTREOWlqUkFMOFRVSlE4blptZ1NHVm5Cckx0eVk0NEMyTTJQbWNWamxob9IBrwFBVV95cUxOQ09UMkszcE5pdEZoS0NEb1dIRDh1Qjk2bTZoYWZMY3pLd2xnenlrR2tDOF9vbV93RjRkQmFNcG1zQzJzTG9tYlhuYW9JR1p1NU1PV0N6UHJTb3E3N3RWMVFOUGxvcHFYSS1UOEQySk5uMS1aMmhWTkNGU2hfMU9ERkFwZDdWX2gwLWtTMjJLUzhXUWhLSFl2LThDTnByd0t1V3FpOEJLVy1hc2NSOFZR?oc=5) · WOWT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18761 (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/9.json (key "18761", 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.

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