Winnebago, IL · Cert 5749 · Foresight Financial Group Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
25
Asset Quality
27
Profitability
39
Liquidity
44
Efficiency
41
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.
Winnebago, IL · Cert 5749 · Foresight Financial Group Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Rockford, IL · 2026 SOD (annual) · 7.5% share · #7 of 21 inst. · $0.7B of $9.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.82% | 0.90% | 1.92% | 1.25% | 1.13% | 0.97% | 1.02% | -90 bps | |
| Return on Equity | 10.45% | 9.77% | 10.37% | 21.48% | 13.37% | 11.90% | 9.98% | 10.40% | -1,108 bps | |
| Net Interest Margin | 3.11% | 3.05% | 3.12% | 3.08% | 3.14% | 3.11% | 3.40% | 3.41% | +33 bps | |
| Efficiency Ratio | 68.92% | 70.48% | 67.58% | 66.39% | 70.94% | 69.58% | 62.94% | 62.21% | -417 bps | |
| Non-Interest Burden | 2.02% | 2.03% | 2.00% | 1.85% | 2.07% | 2.01% | 1.98% | 1.94% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.00% | 1.91% | 0.26% | 365% | 375% | 390% | 425% | 7.15% | -35,760 bps | |
| Loan Growth (YoY) | -0.23% | -7.15% | -8.50% | 345% | 350% | 392% | 399% | -0.88% | -34,612 bps | |
| Deposit Growth (YoY) | 2.04% | 0.71% | -0.92% | 354% | 358% | 378% | 422% | 7.48% | -34,621 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.26% | 3.72% | 3.04% | 1.79% | 2.06% | 1.08% | 1.16% | 1.51% | -28 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.07% | -0.01% | 0.52% | 0.39% | 0.33% | 0.09% | 0.09% | -43 bps | |
| Allowance / Loans | 1.25% | 1.27% | 1.32% | 1.12% | 1.11% | 1.14% | 1.17% | 1.16% | +4 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.3x | 0.4x | 0.6x | 0.5x | 1.1x | 1.0x | 0.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.61% | 9.65% | 9.88% | 10.62% | 11.31% | 11.02% | 11.26% | 11.27% | +65 bps | |
| Total Risk-Based Capital | 9.61% | 9.65% | 9.88% | 10.62% | 14.54% | 14.44% | 11.26% | 11.27% | +65 bps | |
| Equity / Assets | 8.70% | 8.46% | 8.80% | 9.08% | 9.95% | 9.94% | 9.55% | 9.93% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.30% | 77.35% | 76.18% | 81.18% | 81.79% | 79.63% | 72.85% | 74.86% | -632 bps | |
| Liquid Assets / Assets | 3.29% | 6.61% | 3.04% | 1.16% | 1.83% | 0.82% | 6.85% | 2.88% | +171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 222% | 221% | 218% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 0.91% | 1.22% | 1.52% | Beats 33% | 221 / 328 | ||
| Return on Equity | 10.26% | 8.43% | 11.45% | 14.43% | Beats 38% | 203 / 328 | ||
| Net Interest Margin | 3.41% | 3.03% | 3.45% | 3.83% | Beats 47% | 173 / 328 | ||
| Efficiency Ratio | 62.21% | 51.61% | 59.56% | 67.53% | Beats 41% | 196 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.51% | 0.24% | 0.51% | 1.03% | Beats 15% | 276 / 322 | ||
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.03% | 0.10% | Beats 39% | 196 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.27% | 11.75% | 13.15% | 15.47% | Beats 18% | 269 / 328 | ||
| Total Risk-Based Capital Ratio | 11.27% | 12.63% | 14.15% | 16.46% | Beats 12% | 288 / 328 | ||
| Equity / Assets | 9.93% | 9.15% | 10.33% | 12.01% | Beats 44% | 185 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.86% | 76.63% | 87.92% | 95.36% | 22nd pctl | 252 / 323 | ||
| Loans / Assets | 65.27% | 65.18% | 74.15% | 79.98% | 25th pctl | 245 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||