Foresight Bank: how it compares with its peers
Against 85 MN banks with half to twice its assets, Foresight Bank's strongest measure in Q2 2026 is assets per employee ($9.0M vs. a $7.5M peer median). Its weakest relative measure is net interest margin (3.30% vs. 3.98%).
| Measure | Foresight Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 1.35% | Middle third Ahead of 39% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.30% | 3.98% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.62% | 61.83% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $7.5M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.10% | 82.45% | Context |
What it means for lending operations
Its efficiency ratio of 56.62% is better than the 61.83% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Bank Minnesota Saint Peter, MN · $438M
- Peoples State Bank of Plainview Plainview, MN · $429M
- My Kind of Bank, National Association Ottertail, MN · $423M
- Star Bank Maple Lake, MN · $446M
- Kensington Bank Kensington, MN · $447M
- Sentry Bank Saint Joseph, MN · $415M
Questions about Foresight Bank
How big is Foresight Bank?
Foresight Bank, established in 1902, is headquartered in Plainview, MN. It reported $434M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Foresight Bank's return on assets?
1.18% annualized in Q2 2026, against a 1.35% median for 85 MN banks with half to twice its assets, ahead of 39% of them.
What is Foresight Bank's efficiency ratio?
56.62% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 61.83%, and lower is better.
Is Foresight Bank growing its loans?
Net loans grew 4.6% over the year to Q2 2026, while deposits grew 2.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.