Foundation One Bank
Waterloo, NE
IDRSSD: 102557
Total Assets
$177.82M
Latest filing
Total Deposits
$150.07M
Latest filing
Net Interest Margin
3.21%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
104907779WATERLOO, NE
Key People
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Locations
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Main Office
Foundation One Bank
23804 Cedar Dr
Waterloo, NE 68069
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1905FDIC Certificate 12626
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Foundation One Bank (Main) | 23804 Cedar Dr | Waterloo, NE |
| NORTH 156TH STREET BRANCH | 4141 N 156th St | Omaha, NE |
| LAKESIDE BRANCH | 17445 Arbor St | Omaha, NE |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68069 |
| State and County Number | 31055 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Omaha-Council Bluffs, NE-IA |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 04/25/1963 |
| Primary Insurance Agency | DIF |
| Website | www.foundationonebank.com |
| Data Updated | 01/30/2026 |
| CERT | 18761 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $177.82M |
| Total Deposits | $150.07M |
| Total Liabilities | $158.74M |
| Total Equity Capital | $19.07M |
| Net Income | $163.00k |
| Net Loans and Leases | $142.03M |
| Assets Per Employee ($Millions) | $11.11M |
| Bank Premises and Fixed Assets | $2.99M |
| Cash and Balances due from Depository Institutions | $3.48M |
| Deposits Held in Domestic Offices | $150.07M |
Key Performance Ratios
| Return on Assets (ROA) | 0.36% |
| Return on Equity (ROE) | 3.41% |
| Net Interest Margin | 3.21% |
| Efficiency Ratio | 72.79% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.4% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.727% |
| Earning Assets to total Assets | 95.24% |
Income and Expense
| Total Interest Income | $2.55M |
| Total Noninterest Income | $63.00k |
| Total Interest Expense | $1.17M |
| Total Noninterest Expense | $1.05M |
| Net Interest Income | $1.37M |
| Pre-tax Net Operating Income | $211.00k |
| Provision for Credit Losses | $180.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.17M |
| Total Liabilities and Capital | $177.82M |
Securities
| Securities | $25.37M |
| Available-for-sale debt securities | $25.37M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Foundation One Bank?
$177.82M as of the latest filing.
How much are Foundation One Bank's total deposits?
$150.07M in total deposits.
Where is Foundation One Bank located?
Waterloo, NE.
What is the Net Interest Margin?
3.21%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
0.36%.
How much are total loans and leases?
$142.03M (latest filing).
What is the total interest income (latest filing)?
$2.55M.