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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.65% | 0.90% | 2.70% | 0.46% | 0.85% | 0.97% | 1.05% | -165 bps | |
| Return on Equity | 11.16% | 7.61% | 10.37% | 29.89% | 4.88% | 8.50% | 9.98% | 10.81% | -1,909 bps | |
| Net Interest Margin | 3.15% | 2.90% | 3.12% | 5.51% | 3.23% | 3.38% | 3.40% | 3.48% | -203 bps | |
| Efficiency Ratio | 66.15% | 75.45% | 67.58% | 66.25% | 80.12% | 65.76% | 62.94% | 61.53% | -473 bps | |
| Non-Interest Burden | 1.95% | 2.09% | 2.00% | 3.28% | 2.50% | 2.08% | 1.98% | 1.93% | -135 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% | 0.26% | -0.01% | 1.04% | 0.13% | 0.14% | 0.09% | 0.09% | -96 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 | |