Foundation Bank (FDIC #13955): Bank Stress & Real-Estate Credit Exposure
Foundation Bank (FDIC Cert #13955): bank stress 37/100, contained, STABLE over 7 days; parent FOUNDATION FINL HOLDINGS INC.
Foundation Bank (#13955) lends in 5 counties across 1 state; Foundation Bank (#13955) reaches 51 ZIP codes: Tennessee 5 counties, 51 ZIPs.
Foundation Bank (#13955) largest markets: Carroll County, TN (28 branches, 14 ZIPs) (#13955), Madison County, TN (13 branches, 13 ZIPs) (#13955), Obion County, TN (12 branches, 12 ZIPs) (#13955), Henry County, TN (18 branches, 9 ZIPs) (#13955), Crockett County, TN (8 branches, 8 ZIPs) (#13955).
Foundation Bank (#13955) reports $217.9 million in total assets; Foundation Bank (#13955) equity $31.4 million (14.4% of Foundation Bank (#13955) assets); Foundation Bank (#13955) domestic deposits $183.2 million; Foundation Bank (#13955) net income $2.0 million; Foundation Bank (#13955) return on assets 1.89%; Foundation Bank (#13955) return on equity 13.47%; Foundation Bank (#13955) net interest income $6.4 million; Foundation Bank (#13955) call report June 30, 2026.
Foundation Bank (#13955) noncurrent real-estate loans 0.01% of its book; Foundation Bank (#13955) net charge-offs on real estate 1.56%.
Foundation Bank (#13955) net interest margin 6.40% against an eight-quarter Foundation Bank (#13955) average of 6.70% (Foundation Bank (#13955) compression 0.30 points); Foundation Bank (#13955) real-estate loans 0.8% of equity; Foundation Bank (#13955) rate-exposure score 40/100, Foundation Bank (#13955) fixed-rate trap 40/100; Foundation Bank (#13955) risk type rate trapped; Foundation Bank (#13955) rate regime rates elevated, Foundation Bank (#13955) snapshot October 20, 2026.
Foundation Bank (#13955) stress score moved from 39.6 on June 22, 2026 to 37.3 on October 20, 2026; Foundation Bank (#13955) ranged 37.3 to 39.6 over 117 snapshots.
Foundation Bank (#13955) alerts: 5 counties; top Foundation Bank (#13955) alert scores: Obion County, TN 41 (moderate); Jackson County, TN 30 (low); Alamo County, TN 16 (low); Mckenzie County, TN 16 (low); Paris County, TN 16 (low).