The mountainous areas of Southwest China have the characteristics of valley deep-cutting, a large topographic gradient, complex geological structures, etc. With the development of infrastructure construction in the area, the construction of bridges across valleys has gradually increased, and the phenomenon of slope failure occurs more and more frequently. As the weak interlayer, the fault fracture zones have a significant influence on the geological structure and stability of slopes, while the complexity of the mechanism of the deformation and failure of slopes increases with the combination of the development of the fracture zones and toppling deformation. This paper took the toppling bank slope of bridge foundations developed with fault fracture zones in Lancang River as the research object. Through an on-site field survey and geological survey technologies, it identified the distribution range of the fracture zones on the bank slope and determined the characteristics of the rock mass in the fracture zones. A stability evaluation model for the bank slope of the bridge foundations was established using the limit equilibrium method and discrete element method. Based on the two-dimensional limit equilibrium analysis, the potential failure modes of the bank slope were explored, and the stability of the bank slope under bridge loads was calculated. Through the three-dimensional geological model of the bank slope, including the fracture zones and toppling bodies, the three-dimensional discrete element numerical simulation method was adopted to simulate and calculate the deformation and failure process of the bank slope under different bridge loads and working conditions. According to the calculation results, the influence of bridge loads and reservoir water on the stability of the bank slope was analyzed from the perspectives of displacement, plastic zone, stability coefficient, and other factors. The formation process of the plastic zone and the development of the sliding surface were revealed, the incentive mechanism of bridge loads and reservoir water on the deformation and failure of the bank slope was analyzed, and the influence of fault fracture zones on the stability of the bank slope and the development of toppling deformation was determined. The results indicate that the fault fracture zones are important geological structures that affect the deformation and failure of the bank slope as a weak interlayer. Under the influence of bridge loads and reservoir water, the stability of the bank slope is affected by the quality of the rock mass and the development of the fault fracture zones, resulting in the unmet need for safety requirements and maybe leading to instability. Based on the calculation results of the stability evaluation prediction model for the bridge foundation bank slope and the engineering geological conditions, the bridge scheme has been selected.