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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.01 percentage points lower than in Q1 2026, at 32.86%. Foresight Bank ranks 123rd of 221 Minnesota banks on return on assets, in the lower half at 1.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets; Foresight Bank reported 1.27% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.49% |
| Tier 1 risk-based capital ratio | 13.49% |
| Total risk-based capital ratio | 14.65% |
| Tier 1 leverage ratio | 10.20% |
| Equity capital to assets | 9.49% |
| Tangible equity to tangible assets | 9.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.04% |
| Non-performing assets ratio | 3.07% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 29.24% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 32.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 13.51% |
| Net interest margin | 3.20% |
| Efficiency ratio | 56.54% |
| Yield on earning assets | 5.74% |
| Cost of funds | 2.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.12% |
| Core deposits to total deposits | 85.04% |
| Brokered deposits to total deposits | 4.85% |
| Deposits to assets | 79.59% |
| Securities to assets | 14.83% |
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 | 10.67% | 10.67% | 11.39% | 9.75% | 1.45% |
| Q4 2023 | 12.23% | 12.23% | 13.03% | 9.68% | 1.22% |
| Q1 2024 | 13.66% | 13.66% | 14.55% | 9.45% | 0.83% |
| Q2 2024 | 11.82% | 11.82% | 12.61% | 9.21% | 0.84% |
| Q3 2024 | 13.80% | 13.80% | 14.64% | 10.45% | 1.04% |
| Q4 2024 | 13.48% | 13.48% | 14.30% | 10.25% | 1.11% |
| Q1 2025 | 13.71% | 13.71% | 14.56% | 10.02% | 0.96% |
| Q2 2025 | 13.42% | 13.42% | 14.32% | 10.15% | 1.31% |
| Q3 2025 | 13.73% | 13.73% | 14.77% | 10.07% | 1.06% |
| Q4 2025 | 13.54% | 13.54% | 14.66% | 10.12% | 1.25% |
| Q1 2026 | 12.97% | 12.97% | 14.08% | 10.21% | 1.11% |
| Q2 2026 | 13.49% | 13.49% | 14.65% | 10.20% | 1.27% |
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 5229) · FFIEC NIC profile (RSSD 755458)