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Foresight Bank
Winnebago, IL · FDIC Certificate #5749 · Chartered 01/0
Total assets
$1.71B
Total deposits
$1.49B
Total equity
$169.90M
Net loans
$1.10B
Branches (offices)
12
Net income (YTD)
$8.72M
Rank: #664 of 4,213 U.S. banks by assets · #41 of 322 in Illinois. Assets changed 7.2% and deposits 7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.02% |
| Return on equity | 10.40% |
| Net interest margin (YTD) | 3.62% |
| Equity to assets | 9.93% |
| Tier 1 leverage ratio | 11.27% |
| Uninsured deposits (share of deposits) | 33.2% |
| Noncurrent loans (share of loans) | 1.51% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 74.0% |
| Real estate loans (share of loans) | 67.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $742.07M | 67.2% | |
| Commercial & industrial | $185.93M | 16.8% | |
| Consumer / individual | $52.15M | 4.7% | |
| Construction & development | $19.79M | 1.8% | |
| Agricultural | $119.10M | 10.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $328.83M | $297.74M | $1.55M | $24.20M |
| Jun 2023 | $331.71M | $295.65M | $1.40M | $26.15M |
| Jun 2024 | $343.51M | $305.89M | $1.40M | $28.04M |
| Jun 2025 | $1.60B | $1.39B | $7.27M | $144.92M |
| Jun 2026 | $1.71B | $1.49B | $8.72M | $169.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $1.49B | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.49B.
Similar-sized banks
Lincoln Savings Bank ($1.71B) · Cbi Bank & Trust ($1.70B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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