BlastPoint's Banking Scorecard

Foresight Bank

$1B-$10B Specialty: Agricultural IL FDIC cert 5749

Designations: ✓ Community bank

Winnebago, IL

14 branches across IL

884 banks in the $1B-$10B peer group nationally 50 in IL

Foresight Bank faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.39% below tier average
- Net Interest Margin 0.27% below tier average
- Efficiency Ratio 1.88% above tier average
- Delinquency Rate 0.29% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$1.8B +424.9% YoY +5.7% QoQ	-$1.1B	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	44%
Total Loans ?	$1.1B +400.2% YoY -1.4% QoQ	-$854.4M	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$1.5B +422.3% YoY +7.8% QoQ	-$801.0M	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	46%
Return on Assets ?	0.97% +8.6% YoY +25.4% QoQ	-0.39%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	31%
Net Interest Margin ?	3.55% +5.6% YoY +3.0% QoQ	-0.27%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	62.94% -6.9% YoY -9.5% QoQ	+1.88%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	40%
Delinquency Rate ?	1.18% -61.7% YoY +8.1% QoQ	+0.29%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	72.00% -4.2% YoY -8.5% QoQ	-12.20%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	14.81% -0.8% YoY -3.5% QoQ	-6.47%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	27%
Nonperforming Asset Ratio ?	0.74% -63.5% YoY +0.8% QoQ	+0.07%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	29%
Tier 1 Capital Ratio ?	11.26% +14.0% YoY -16.5% QoQ	-3.90%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.10% +15.4% YoY -79.3% QoQ	-0.15%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	34%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

178

Loan-to-Deposit Ratio

liquidity

Value: 72.00%

Peer Median: 84.20%

#178 of 884 Top 20.0% in $1B-$10B

Top Weaknesses (2 metrics)

709

Tier 1 Capital Ratio

capital

Value: 11.26%

Peer Median: 15.16%

#709 of 884 Bottom 19.9% in $1B-$10B

687

Delinquency Rate

credit_quality

Value: 1.18%

Peer Median: 0.89%

#687 of 880 Bottom 22.0% in $1B-$10B