Foresight Bank (Plainview, MN)
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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 Plainview, MN, established in 1902 (FDIC certificate 5229), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $433.8M, up 4.0% from Q2 2025, the 59th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 13.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5229
- Headquarters
- Plainview, MN
- Established
- 1902
- Total assets, Q2 2026
- $433.8M
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 13.49%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091903239
- Holding company
- PLAINVIEW BANKSHARES, INC.
- Asset rank in state
- 59th of 221 in Minnesota
Problem loans are rising at Foresight Bank. It reported $434 million in assets at June 30, 2026, up 4.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.97% of loans from 1.36% a year earlier. It carries problem assets equal to 29.2% of the capital and reserves that would absorb them, 11.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.60% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $2.5 million equal 6% of Tier 1 capital, down from 12% a year earlier. Its margin is thin by comparison: it keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Foresight Bank reported a CET1 capital ratio of 13.49%, a return on assets of 1.27%, a nonperforming-loan ratio of 3.04% and a Texas ratio of 29.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Foresight Bank is the 59th largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $433.8M, loans rose 2.3% and deposits rose 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 49.2% of total loans, followed by farmland and other real estate loans at 12.5%. Its 3 offices in the FDIC Summary of Deposits are in Plainview, MN, Rochester, MN and Eyota, MN; its Plainview office books 70% of its branch deposits. On its Q2 2026 call report, Foresight Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 138 W Broadway, Plainview, MN 55964
- County
- Wabasha
- Metro Area
- Rochester, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 7, 1902
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $345.3M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $246K
- Average total assets
- $429.0M
- Average total loans
- $348.8M
- Average interest-bearing deposits
- $341.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5229
- Fed RSSD
- 755458
- Website
- www.foresight.bank →
- Parent Holding Company
- PLAINVIEW BANKSHARES, INC. (RSSD 1485800)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Foresight Bank's total assets ranged from $341.8M (Q3 2023) to $433.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$433.8M total assets against $417.1M; $392.6M total liabilities against $380.7M.
$349.1M net loans and leases against $333.8M; $345.3M total deposits against $336.0M.
$64.3M securities against $62.4M; $4.4M cash and balances due against $8.1M.
$6.0M total interest income against $6.1M; $2.7M total interest expense against $2.8M.
$3.3M net interest income against $3.2M.
$399K total noninterest income against $285K; $2.2M total noninterest expense against $2.0M.
$89K provision for credit losses against $232K.
$1.4M net income against $1.3M.
1.27% return on assets against 1.31%; 3.20% net interest margin against 3.25%.
13.49% CET1 capital ratio against 13.42%; 10.20% tier 1 leverage ratio against 10.15%.
Inside the full Foresight Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Foresight Bank rankings
Its closest position to the top of a national ranking is 60 of 3,640, for Texas Ratio; its furthest is 1,256 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.96% (Q1 2025) to 1.31% (Q2 2025) and its net interest margin ran from 2.87% (Q3 2024) to 3.40% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.49% | 1.27% | 3.04% | 29.24% | 3.20% |
| Q1 2026 | 12.97% | 1.11% | 2.57% | 26.02% | 3.33% |
| Q4 2025 | 13.54% | 1.25% | 3.02% | 23.40% | 3.40% |
| Q3 2025 | 13.73% | 1.06% | 2.17% | 16.92% | 3.29% |
| Q2 2025 | 13.42% | 1.31% | 1.39% | 11.74% | 3.25% |
| Q1 2025 | 13.71% | 0.96% | 1.24% | 10.11% | 2.94% |
| Q4 2024 | 13.48% | 1.11% | 1.21% | 10.01% | 3.09% |
| Q3 2024 | 13.80% | 1.04% | 1.20% | 10.02% | 2.87% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Foresight Bank (main office) | Plainview , MN | 55964 | $241.5M |
| Highway 52 Branch | Rochester , MN | 55901 | $60.8M |
| Eyota Branch | Eyota , MN | 55934 | $43.0M |
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 |
|---|---|---|---|
| January 27, 2017 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- February 5, 2010, OCC: Formal Agreement: The First National Bank of Plainview
- Period: Most recent institution action February 5, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MN, rank 87 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 110 applications, 97 loans originated, $31.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K 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
- 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 $433.8 million in its FFIEC call report.
Where is Foresight Bank headquartered?
It is headquartered in Plainview, MN, United States.
When was Foresight Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Foresight Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5229). 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.
What is Foresight Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Foresight Bank operate?
It operates 3 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 29.24% 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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