Foresight Bank (Winnebago, IL)
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Data as of · sourced from FFIEC call reports. How we update
Foresight Bank is an FDIC-insured commercial bank headquartered in Winnebago, IL, established in 1907 (FDIC certificate 5749), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.71B, up 7.2% from Q2 2025, the 40th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.27% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5749
- Headquarters
- Winnebago, IL
- Established
- 1907
- Total assets, Q2 2026
- $1.71B
- Assets vs Q2 2025
- +7.2%
- Tier 1 leverage ratio, Q2 2026
- 11.27%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 071113162
- Latest call report
- Q2 2026, FFIEC 041 · Foresight Bank call report
- Holding company
- FORESIGHT FINANCIAL GROUP, INC.
- Asset rank in state
- 40th of 319 in Illinois
Foresight Bank, based in Winnebago, Illinois, reported $1.7 billion in assets at June 30, 2026, up 7.2% from a year earlier. It shrank its loan book 0.9% over the year, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also holds commercial real estate loans worth 1.2 times its capital, about half the median of 2.2 times for banks its size.
Net income for the quarter slipped 30% from a year earlier, to $4.6 million. Over the same year, loans shrank 0.9% and deposits grew 7.5%. Credit is the area to watch: it carries problem assets equal to 9.2% of the capital and reserves that would absorb them, 2.6 times the median of 3.6% for banks its size.
As of June 30, 2026, Foresight Bank reported a return on assets of 1.06%, a nonperforming-loan ratio of 1.51% and a Texas ratio of 9.21%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Foresight Bank is the 40th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.7% to $1.71B, loans fell 0.6% and deposits fell 3.3%. Commercial and industrial loans made up 16.7% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 16.3%. Its 12 offices in the FDIC Summary of Deposits are in 11 cities in IL; its Freeport office books 26% of its branch deposits. Judged on its Q2 2026 call report, Foresight Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 809 Cannel Puri Ct, Winnebago, IL 61088
- County
- Winnebago
- Metro Area
- Rockford, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 6, 1907
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 243
- Domestic deposits
- $1.49B
- Allowance for credit losses
- $13.0M
- Net charge-offs (YTD)
- $511K
- Average total assets
- $1.71B
- Average total loans
- $1.12B
- Average interest-bearing deposits
- $1.25B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5749
- Fed RSSD
- 556936
- SEC CIK
- 786298 → filed by FORESIGHT FINANCIAL GROUP, INC.
- Website
- www.ffgbank.com →
- Parent Holding Company
- FORESIGHT FINANCIAL GROUP, INC. (RSSD 1137453)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Foresight Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Foresight Bank's total assets ranged from $328.7M (Q3 2023) to $1.76B (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.71B total assets against $1.60B; $1.54B total liabilities against $1.45B.
$1.10B net loans and leases against $1.11B; $1.49B total deposits against $1.39B.
$463.0M securities against $365.6M; $66.5M cash and balances due against $44.1M.
$21.7M total interest income against $36.3M; $6.8M total interest expense against $13.8M.
$14.9M net interest income against $22.6M.
$2.3M total noninterest income against $4.5M; $10.6M total noninterest expense against $18.0M.
$524K provision for credit losses against $526K.
$4.6M net income against $6.5M.
1.06% return on assets against 1.59%; 3.66% net interest margin against 5.88%.
11.27% tier 1 leverage ratio against 10.62%.
Inside the full Foresight Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeForesight Bank rankings
Its closest position to the top of a national ranking is 656 of 4,196, for total assets; its furthest is 2,357 of 3,611, for ROA.
Banks merged into Foresight Bank
- State Bank of Davis, effective May 1, 2025
- Lena State Bank, effective May 1, 2025
- Northwest Bank of Rockford, effective May 1, 2025
- State Bank of Herscher, effective May 1, 2025
- State Bank, effective May 1, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q3 2025) to 1.59% (Q2 2025) and its net interest margin ran from 3.09% (Q4 2024) to 5.88% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.27% | 1.06% | 1.51% | 9.21% | 3.66% |
| Q1 2026 | 11.26% | 0.99% | 1.16% | 7.23% | 3.60% |
| Q4 2025 | 11.02% | 0.82% | 1.08% | 6.89% | 3.59% |
| Q3 2025 | 11.31% | 0.46% | 2.06% | 13.44% | 3.45% |
| Q2 2025 | 10.62% | 1.59% | 1.79% | 13.26% | 5.88% |
| Q1 2025 | 9.88% | 0.89% | 3.04% | 21.05% | 3.32% |
| Q4 2024 | 9.65% | 0.65% | 3.72% | 27.25% | 3.09% |
| Q3 2024 | 9.61% | 0.94% | 3.26% | 24.95% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| State Bank Branch | Freeport , IL | 61032 | $381.3M |
| Perryville Office | Loves Park , IL | 61111 | $216.7M |
| Herscher Branch | Herscher , IL | 60941 | $141.8M |
| Davis Branch | Davis , IL | 61019 | $141.6M |
| Machesney Park Branch | Machesney Park , IL | 61115 | $124.2M |
| Pecatonica Facility Branch | Pecatonica , IL | 61063 | $105.0M |
| Foresight Bank (main office) | Winnebago , IL | 61088 | $84.8M |
| German Valley Branch | German Valley , IL | 61039 | $75.6M |
| Springstead Facility | Rockford , IL | 61108 | $75.1M |
| Lena Branch | Lena , IL | 61048 | $70.8M |
| Rockford Branch | Rockford , IL | 61103 | $69.1M |
| Kankakee Branch | Kankakee , IL | 60901 | $5.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2025 | Structure Change | Acquired State Bank of Davis Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IL, rank 56 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 130 applications, 102 loans originated, $31.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.7M approved, $868K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Foresight Bank
What are Foresight Bank's total assets?
As of the Q2 2026 filing, Foresight Bank reported total assets of $1.71 billion in its FFIEC call report.
Where is Foresight Bank headquartered?
It is headquartered in Winnebago, IL, United States.
When was Foresight Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Foresight Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Foresight Bank?
Foresight Bank's primary federal regulator is the FDIC.
How many branches does Foresight Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Foresight Bank's Texas Ratio?
Its Texas Ratio is 9.21% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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