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Foresight Bank

Plainview, MN · Cert 5229 · Plainview Bankshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$433.8MAssets
$352.6MLoans
$345.3MDeposits
$41.2MEquity
Loan mix
93%RE $294.0M6%C&I $18.5M1%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $319.3M8%Noninterest $26.0MQ2 2025Q2 2026

NIM

5.56%Q2 ’245.95%Q2 ’255.59%Q2 ’26+17%-2%

Non-interest income vs. expense

2.07%Q2 ’241.92%Q2 ’252.01%Q2 ’26-8%0%

Market Position · Rochester, MN · 2026 SOD (annual) · 4.6% share · #6 of 34 inst. · $0.3B of $7.6B

27.3% Wabasha
1.9% Olmsted

Executive Summary

  • Earnings: ROA of 1.00%, down 3 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 3.04% of loans (+165 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.20%, up 5 bps from a year ago.
  • Funding: loans stand at 102.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.00%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.10%-7 bps YoY

Efficiency Ratio (quarter, annualized)

57.31%+220 bps YoY

Tier 1 Leverage Ratio

10.20%+5 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%0.82%0.97%0.86%1.00%-3 bps
Return on Equity11.55%9.27%10.66%9.25%10.60%-94 bps
Net Interest Margin3.17%3.24%3.32%3.22%3.10%-7 bps
Efficiency Ratio55.11%59.43%53.92%55.92%57.31%+220 bps
Non-Interest Burden1.64%1.82%1.69%1.68%1.64%0 bps
Growth
Asset Growth (YoY)10.62%11.22%3.21%6.04%4.00%-662 bps
Loan Growth (YoY)5.18%2.55%3.09%6.67%4.80%-39 bps
Deposit Growth (YoY)10.34%10.67%3.21%-0.09%2.75%-760 bps
Asset Quality
Nonperforming Loans / Loans1.39%2.17%3.02%2.57%3.04%+165 bps
Net Charge-Offs / Loans0.00%-0.08%-0.02%0.29%-0.01%0 bps
Allowance / Loans0.77%0.90%0.97%1.00%1.00%+23 bps
Allowance Coverage of NPLs0.6x0.4x0.3x0.4x0.3x-0.2x
Capital
Tier 1 Leverage Ratio10.15%10.07%10.12%10.21%10.20%+5 bps
Total Risk-Based Capital14.32%14.77%14.66%14.08%14.65%+33 bps
Equity / Assets8.73%8.89%9.36%9.29%9.49%+76 bps
Liquidity & Funding
Loans / Deposits100.12%90.99%96.42%100.32%102.12%+200 bps
Liquid Assets / Assets0.85%5.02%0.90%0.69%0.74%-11 bps
CRE / Total Capitaln/a194.16%188.39%184.55%n/an/a