FOUNDATION FINL HOLDINGS INC is the bank holding company. MCKENZIE BANKING COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

FOUNDATION FINL HOLDINGS INC

Legal name: FOUNDATION FINANCIAL HOLDINGS, INC.

1 active bank · $218M combined assets

RSSD ID: 1135280 (FFIEC NIC)

Combined Assets

$218M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankMCKENZIE BANKING COMPANYMC KENZIE, TNSatisfactory$218MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$218M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$185M

Net Income

$968K

ROA (avg)

1.79%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

120

Origination Rate

45.83%

Denial Rate

29.17%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
MCKENZIE BANKING COMPANY	MC KENZIE, TN	FDIC	$218M	100.0%	Satisfactory	Oct 2020

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.