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
Unfavorable gap of $33.3M · efficiency ratio beats 41% of banks $1B-$10B in assets | 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 |