Foundation One Bank

BankWaterloo, Nebraska
www.foundationonebank.com

Total Assets

$177.8M

Total Deposits

$150.1M

Branches

3

Established

1905

TFS Health Grade

$
D

63.4 / 100

Below average financial health

How we grade

Foundation One Bank is a bank headquartered in Waterloo, Nebraska, established in 1905. With $177.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D (63.4/100).

Capital & Safety

Tier 1 Capital Ratio
10.30%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
0.44%(1%)
Return on Equity (ROE)
4.20%(10%)
Net Interest Margin
3.06%
Efficiency Ratio
74.41%(60%)

Lending & Liquidity

Total Loans
$143.8M
Loan-to-Deposit Ratio
94.64%
Net Charge-Off Ratio
0.30%

Growth

Asset Growth (YoY)
+0.86%
Deposit Growth (YoY)
+2.93%
Net Income
$791.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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