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Foresight Bank

$100M-$1B Specialty: Other MN FDIC cert 5229

Plainview, MN

3 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +2.7% year over year ($345.3M on the books).
  • Delinquency rate 3.07%.
  • Return on assets 1.18%.
  • Efficiency ratio 56.62% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.10% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Foresight Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 7.86% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 49.9% in tier
  • - Delinquency Rate 2.15% above tier average
  • - Non-Interest-Bearing Deposit Share 14.50% below tier average
  • - Nonperforming Asset Ratio 2.40% above tier average
  • - ROA 0.14% below tier average
  • - Net Interest Margin 0.69% below tier average
Get updates when Foresight Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $433.8M
+4.0% YoY +1.8% QoQ
+$47.2M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $349.1M
+4.6% YoY +2.3% QoQ
+$90.7M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $345.3M
+2.7% YoY +0.5% QoQ
+$18.5M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 1.18%
+5.0% YoY +7.7% QoQ
-0.14% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 3.30%
+5.6% YoY -1.8% QoQ
-0.69% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 56.62%
-6.4% YoY +1.2% QoQ
-7.86% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
68%
Delinquency Rate ? 3.07%
+118.9% YoY +18.5% QoQ
+2.15% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Bottom 6.0% in tier
Loan-to-Deposit Ratio ? 101.10%
+1.8% YoY +1.8% QoQ
+23.15% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 8.8% in tier
Non-Interest-Bearing Deposit Share ? 7.54%
+48.9% YoY +12.8% QoQ
-14.50% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 6.2% in tier
Nonperforming Asset Ratio ? 3.07%
+173.2% YoY +14.3% QoQ
+2.40% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Bottom 3.1% in tier
Tier 1 Capital Ratio ? 13.49%
+0.5% YoY +4.0% QoQ
-2.42% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.17%
+32.3% YoY +117.3% QoQ
-0.40% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 7.5%
+2.5pp YoY
+0.9pp QoQ
 -14.6pp 22.1% 21.9% 22.2% 6%
Brokered Deposits 4.8%
+0.8pp YoY
+1.0pp QoQ
 -3.0pp 7.9% 8.3% 8.5% 50%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 5.0%
-1.6pp YoY
-0.4pp QoQ
 -6.5pp 11.6% 14.6% 12.5% 20%
CRE 23.9%
-2.1pp YoY
+0.7pp QoQ
 -15.6pp 39.5% 36.5% 41.4% 25%
1-4 Family 49.7%
+3.9pp YoY
+0.2pp QoQ
 +17.1pp 32.6% 29.4% 31.3% 82%
Consumer 1.2%
-0.1pp YoY
-0.1pp QoQ
 -2.9pp 4.1% 4.5% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 13.5%
+0.1pp YoY
+0.5pp QoQ
 -5.3pp 18.8% 16.5% 19.7% 34%
Leverage Ratio 10.2%
+0.1pp YoY
0.0pp QoQ
 -2.0pp 12.2% 11.0% 12.6% 35%
Total Capital Ratio 14.6%
+0.3pp YoY
+0.6pp QoQ
 -5.3pp 19.9% 17.6% 20.8% 34%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 48
+2 (+4.3%) YoY
+2 (+4.3%) QoQ
 -11 58 55 482 50%
Assets per Employee ($) $9.0M
-0.3% YoY
-2.4% QoQ
 +$1.5M $7.5M $8.6M $8.8M 80%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.2%
0.0pp YoY
-0.8pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 62%
Nonaccrual 2.9%
+1.7pp YoY
+1.3pp QoQ
 +2.0pp 0.9% 1.0% 1.0% 94%
Allowance Coverage 0.33x
-40.8% YoY
-15.5% QoQ
 -23.82x 24.15x 20.41x 20.23x 4%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.2pp QoQ
 0.0pp 0.1% 0.2% 0.2% 81%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 12.6%
-0.1pp YoY
+0.8pp QoQ
 +0.4pp 12.2% 13.1% 11.6% 54%
Cost of Funds (YTD) 2.6%
-0.3pp YoY
0.0pp QoQ
 +0.9pp 1.7% 1.7% 1.7% 92%
Net Income ($, YTD) $2.5M
+9.6% YoY
— QoQ
 -$28K $2.6M $4.5M $40.4M 62%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#346 of 691 • Bottom 49.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 101.10%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2562
Nonperforming Asset Ratio
credit_quality
Value: 3.07%
Peer Median: 0.67%
#2562 of 2643 Bottom 3.1% in $100M-$1B
2476
Delinquency Rate
credit_quality
Value: 3.07%
Peer Median: 0.92%
#2476 of 2633 Bottom 6.0% in $100M-$1B
2480
Non-Interest-Bearing Deposit Share
funding
Value: 7.54%
Peer Median: 22.03%
#2480 of 2643 Bottom 6.2% in $100M-$1B
2411
Loan-to-Deposit Ratio
liquidity
Value: 101.10%
Peer Median: 77.95%
#2411 of 2643 Bottom 8.8% in $100M-$1B
2125
Net Interest Margin
profitability
Value: 3.30%
Peer Median: 3.99%
#2125 of 2643 Bottom 19.6% in $100M-$1B
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