Foresight Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 54.62 percentage points in Q2 2026, from 114.97% to 60.35%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Foresight Bank is 192nd of 323 on return on assets, 1.06% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Foresight Bank sits 0.21 points lower, at 1.06% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.27% |
| Equity capital to assets | 9.93% |
| Tangible equity to tangible assets | 9.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.93% |
| Non-performing assets ratio | 1.26% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 9.21% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 60.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 10.81% |
| Net interest margin | 3.66% |
| Efficiency ratio | 61.08% |
| Yield on earning assets | 5.33% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.86% |
| Core deposits to total deposits | 88.67% |
| Brokered deposits to total deposits | 0.74% |
| Deposits to assets | 87.19% |
| Securities to assets | 27.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 8.89% | -0.69% |
| Q4 2023 | — | — | — | 9.37% | 1.90% |
| Q1 2024 | — | — | — | 9.45% | 0.74% |
| Q2 2024 | — | — | — | 9.49% | 0.91% |
| Q3 2024 | — | — | — | 9.61% | 0.94% |
| Q4 2024 | — | — | — | 9.65% | 0.65% |
| Q1 2025 | — | — | — | 9.88% | 0.89% |
| Q2 2025 | — | — | — | 10.62% | 1.59% |
| Q3 2025 | 13.58% | 13.58% | 14.54% | 11.31% | 0.46% |
| Q4 2025 | 13.48% | 13.48% | 14.44% | 11.02% | 0.82% |
| Q1 2026 | — | — | — | 11.26% | 0.99% |
| Q2 2026 | — | — | — | 11.27% | 1.06% |
Foresight Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Foresight Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Foresight Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5749) · FFIEC NIC profile (RSSD 556936)