If you draw a 45 degrees triangle from the application point of the point load and spread it onto the footings + uniform load from other elements, and the footings don't exceed bearing capacity, it should be okay. The reasoning from this is derived somewhat from how point loads are applied on masonry, but neglecting the maximum width of that point load converted to a uniform load, because presumably you'd be using concrete.
The real behavior of a foundation wall + footings on soil is the foundation wall acting as a long beam over Winkler springs (that in itself is another simplification, but whatever). This is onerous to calculate for a one story. So if we assume the soil to be rigid (which has been done for a long time), it makes intuitive sense to me that the load would follow something like a 45 degrees angle, because a similar assumption is made in masonry.
The concrete bearing stress will never be reached for a 1-story. So there's no limit on the concentrated load from there. The axial stress will also never be reached, even if you assume a column inside the wall instead of a triangular distribution. Your lateral moment (earth pressure) is not affected, and we're not going to get into things like P-M interaction and P-delta effects here for the vast majority of loads you'll see on a 1-story.
Taking all this into account, let's say you have a 9' high foundation wall with a soil bearing capacity of 2 ksf. 2 ksf * 18' * 1' = 32 kips if there's no footing, 64 kips if there is a 2' wide footing. Since you'll have a bit of uniform load, make it 20 kips for no footing and 40 kips with a footing. I don't design anything without a footing, so that makes your concentrated load capacity (with no extra calculations needed) to be 40 kips.
This is a common sense approach from engineer to engineer, not from a liability perspective. If liability comes into play, you should be able to support it with calculations. Maybe do it once so you feel comfortable, and have a standard conservative calculation showing that it's good, and you're all set for 99% of concentrated loads that can come from a light 1 story building (I'm not talking about large ones with big moment frames, that's a different game entirely).
Other considerations:
-Moments. If there's a moment at the bottom of the concentrated load, this reasoning goes out the window. You'll need another set of assumptions to deal with that, but it's very much possible, and dare I say, easy.
-Uplift. Same issue as moments.