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Foresight Bank

Winnebago, IL · Cert 5749 · Foresight Financial Group Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

25

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

41

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Foresight Bank

Winnebago, IL · Cert 5749 · Foresight Financial Group Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.7BAssets
$1.1BLoans
$1.5BDeposits
$169.9MEquity
Loan mix
75%RE $743.4M19%C&I $188.0M6%Consumer $56.8MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.3B16%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.16%Q2 ’244.96%Q2 ’254.99%Q2 ’26-1%+11%

Non-interest income vs. expense

2.46%Q2 ’242.44%Q2 ’252.42%Q2 ’26-10%+5%

Market Position · Rockford, IL · 2026 SOD (annual) · 7.5% share · #7 of 21 inst. · $0.7B of $9.0B

8.2% Winnebago
42.8% Stephenson
5.2% Kankakee

Executive Summary

  • Earnings: ROA of 1.02%, down 90 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 1.51% of loans (-28 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 11.27%, up 65 bps from a year ago.
  • Funding: loans stand at 74.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%-90 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+33 bps YoY

Efficiency Ratio (YTD, annualized)

62.21%-417 bps YoY

Tier 1 Leverage Ratio

11.27%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%1.25%1.13%0.97%1.02%-90 bps
Return on Equity21.48%13.37%11.90%9.98%10.40%-1,108 bps
Net Interest Margin3.08%3.14%3.11%3.40%3.41%+33 bps
Efficiency Ratio66.39%70.94%69.58%62.94%62.21%-417 bps
Non-Interest Burden1.85%2.07%2.01%1.98%1.94%+9 bps
Growth
Asset Growth (YoY)365%375%390%425%7.15%-35,760 bps
Loan Growth (YoY)345%350%392%399%-0.88%-34,612 bps
Deposit Growth (YoY)354%358%378%422%7.48%-34,621 bps
Asset Quality
Nonperforming Loans / Loans1.79%2.06%1.08%1.16%1.51%-28 bps
Net Charge-Offs / Loans0.52%0.39%0.33%0.09%0.09%-43 bps
Allowance / Loans1.12%1.11%1.14%1.17%1.16%+4 bps
Allowance Coverage of NPLs0.6x0.5x1.1x1.0x0.8x+0.1x
Capital
Tier 1 Leverage Ratio10.62%11.31%11.02%11.26%11.27%+65 bps
Total Risk-Based Capital10.62%14.54%14.44%11.26%11.27%+65 bps
Equity / Assets9.08%9.95%9.94%9.55%9.93%+85 bps
Liquidity & Funding
Loans / Deposits81.18%81.79%79.63%72.85%74.86%-632 bps
Liquid Assets / Assets1.16%1.83%0.82%6.85%2.88%+171 bps
CRE / Total Capitaln/a222%221%218%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Foresight Bank

Winnebago, IL · Cert 5749 · Peer group: banks $1B-$10B in assets (n=322-328) · Foresight Financial Group Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.7BAssets
$1.1BLoans
$1.5BDeposits
$169.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 47% of banks $1B-$10B in assets (rank 173 of 328).
  • Widest gap: total risk-based capital ratio trails 88% of banks $1B-$10B in assets (rank 288 of 328).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

1.02%

Rank 221 of 328

Net Interest Margin

3.41%

Rank 173 of 328

Efficiency Ratio

62.21%

Rank 196 of 328

Equity / Assets

9.93%

Rank 185 of 328

Non-interest income vs. expense

$8.3M$41.5MINCOMEEXPENSE
Unfavorable gap of $33.3M · efficiency ratio beats 41% of banks $1B-$10B in assets
Bank 62.21%Peer median 59.6%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.91%1.22%1.52%Beats 33%221 / 328
Return on Equity10.26%8.43%11.45%14.43%Beats 38%203 / 328
Net Interest Margin3.41%3.03%3.45%3.83%Beats 47%173 / 328
Efficiency Ratio62.21%51.61%59.56%67.53%Beats 41%196 / 328
Asset Quality
Nonperforming Loans / Loans1.51%0.24%0.51%1.03%Beats 15%276 / 322
Net Charge-Offs / Loans0.05%0.01%0.03%0.10%Beats 39%196 / 322
Capital
Tier 1 Capital Ratio11.27%11.75%13.15%15.47%Beats 18%269 / 328
Total Risk-Based Capital Ratio11.27%12.63%14.15%16.46%Beats 12%288 / 328
Equity / Assets9.93%9.15%10.33%12.01%Beats 44%185 / 328
Liquidity & Funding
Loans / Deposits74.86%76.63%87.92%95.36%22nd pctl252 / 323
Loans / Assets65.27%65.18%74.15%79.98%25th pctl245 / 328
Brokered Deposits / Depositsn/aNot reported for this institution