Foresight Bank: how it compares with its peers
Against 36 IL banks with half to twice its assets, Foresight Bank's strongest measure in Q2 2026 is net interest margin (3.62% vs. a 3.55% peer median). Its weakest relative measure is assets per employee ($7.0M vs. $8.3M).
| Measure | Foresight Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.32% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.62% | 3.55% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.21% | 59.76% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $8.3M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.99% | 84.42% | Context |
What it means for lending operations
Its efficiency ratio of 62.21% is above the 59.76% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Servbank, National Association Oswego, IL · $1.70B
- First State Bank Mendota, IL · $1.56B
- Providence Bank & Trust South Holland, IL · $1.56B
- Dieterich Bank Effingham, IL · $1.55B
- Central Bank Illinois Geneseo, IL · $1.46B
- Bank of Springfield Springfield, IL · $2.00B
Questions about Foresight Bank
How big is Foresight Bank?
Foresight Bank, established in 1907, is headquartered in Winnebago, IL. It reported $1.71B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Foresight Bank's return on assets?
1.02% annualized in Q2 2026, against a 1.32% median for 36 IL banks with half to twice its assets, ahead of 31% of them.
What is Foresight Bank's efficiency ratio?
62.21% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 59.76%, and lower is better.
Is Foresight Bank growing its loans?
Net loans shrank 0.9% over the year to Q2 2026, while deposits grew 7.5%.
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 IL 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 Illinois bank ranked.