Foresight Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Foresight Bank of Winnebago, IL against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.06% | 1.34% | -0.28% | 32nd below |
| ROAE | 10.81% | 12.40% | -1.59% | 37th below |
| Net Interest Margin | 3.66% | 3.83% | -0.17% | 46th below |
| Efficiency Ratio | 61.08% | 57.84% | +3.24% | 40th below |
| PPNR / Avg Assets | 1.55% | — | — | 37th below |
| Yield on Earning Assets | 5.33% | 5.71% | -0.38% | 37th below |
| Cost of Funds | 1.80% | 2.02% | -0.22% | 62nd above |
| Net Interest Spread | 3.27% | — | — | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.93% | 1.00% | +0.93% | 12th bottom |
| NPA / Total Assets | 1.26% | — | — | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.43% | -0.34% | 30th below |
| ACL / Total Loans | 1.16% | — | — | 52nd above |
| ACL / NPLs (Coverage) | 60.35% | — | — | 13th bottom |
| Texas Ratio | 9.21% | 5.47% | +3.74% | 19th bottom |
| Provision / NCO | 100.78% | — | — | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.27% | 11.11% | +0.16% | 65th above |
| Equity / Assets | 9.93% | 11.02% | -1.09% | 42nd below |
| TCE / Tangible Assets | 9.93% | — | — | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.86% | 86.99% | -12.13% | 78th top |
| Core Deposit Ratio | 88.67% | 85.57% | +3.10% | 51st above |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 33.16% | 33.19% | -0.03% | 43rd below |
| Wholesale Funding Ratio | 1.96% | — | — | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.15% | — | — | 62nd above |
| Loan Growth (Y/Y) | -0.88% | — | — | 13th bottom |
| Deposit Growth (Y/Y) | 7.48% | — | — | 63rd above |
See Foresight Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Foresight Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Foresight Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Foresight Bank peer analysis.