TellerScore

Foresight Bank (FDIC certificate #5229) is based in Plainview, Minnesota. Its Q2 2026 call report shows $433.8M in total assets and $345.3M in deposits and 3 offices.

Based on its Q2 2026 filing, Foresight Bank scores 41/100, which we describe as below average. That is higher than only 3% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 215th. Its strongest component is earnings (67/100; 1.18%), and its lowest is loan quality (0/100; 3.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.20%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.04%
Earnings67/100
Return on assets (annualized): 1.18%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 101.1% · 18.0% uninsured
Problem-loan coverage40/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 29.79%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 17 points (58 → 41), mostly because the loan quality component weakened by 54 points.

TellerScore
415262Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202460
Q4 202460
Q1 202559
Q2 202558
Q3 202551
Q4 202543
Q1 202645
Q2 202641
Tier 1 leverage ratio
5.00%7.73%10.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.21%
Q3 202410.45%
Q4 202410.25%
Q1 202510.02%
Q2 202510.15%
Q3 202510.07%
Q4 202510.12%
Q1 202610.21%
Q2 202610.20%
Noncurrent loans
0.42%1.73%3.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.42%
Q3 20241.20%
Q4 20241.21%
Q1 20251.24%
Q2 20251.39%
Q3 20252.17%
Q4 20253.02%
Q1 20262.57%
Q2 20263.04%
Return on assets
0.83%1.01%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.90%
Q4 20240.95%
Q1 20250.96%
Q2 20251.13%
Q3 20251.10%
Q4 20251.13%
Q1 20261.10%
Q2 20261.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202641$433.8M10.20%3.04%1.18%101.1%
Q1 202645$425.9M10.21%2.57%1.10%99.3%
Q4 202543$422.7M10.12%3.02%1.13%95.5%
Q3 202551$429.0M10.07%2.17%1.10%90.2%
Q2 202558$417.1M10.15%1.39%1.13%99.3%
Q1 202559$401.7M10.02%1.24%0.96%93.3%
Q4 202460$409.5M10.25%1.21%0.95%95.8%
Q3 202460$385.7M10.45%1.20%0.90%97.5%
Q2 202462$377.0M9.21%0.42%0.83%104.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.20%
36th
Total risk-based capital14.65%
66th
Problem loans3.04%
6th
Net charge-offs0.14%
16th
Return on assets1.18%
46th
Net interest margin3.30%
20th
Efficiency ratio56.6%
68th
Loans to deposits101.1%
9th
Uninsured deposits18.0%
71st
Loan-loss reserves1.00%
26th
Texas ratio29.8%
2nd

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank MinnesotaBank Saint Peter, MN64 out of 100, Moderate$437.8M9.8%1.12%vs
Peoples State Bank of PlainviewBank Plainview, MN66 out of 100, Moderate$429.1M8.9%0.95%vs
My Kind of Bank, National AssociationBank Ottertail, MN64 out of 100, Moderate$422.6M9.0%0.96%vs
Star BankBank Maple Lake, MN46 out of 100, Below average$445.8M9.3%2.07%vs
Kensington BankBank Kensington, MN69 out of 100, Moderate$446.7M9.9%0.58%vs
Sentry BankBank Saint Joseph, MN70 out of 100, Strong$415.5M8.7%0.00%vs

Deposit insurance

Is my money safe at Foresight Bank?

Yes. Foresight Bank is an FDIC-insured institution (FDIC certificate #5229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.0% of deposits ($62.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.65% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Foresight Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Foresight Bank reported 110 home-loan applications under HMDA (LEI 549300URHBBJ2KIQ3616): 97 originated ($31,215,000 total), 8 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Foresight Bank
Former names
The First National Bank of Plainview
Type
State-chartered bank
FDIC certificate #
5229
RSSD ID
755458
Primary regulator
FDIC
Holding company
Plainview Bankshares Inc
Established
June 7, 1902
Headquarters
138 W Broadway, Plainview, MN 55964
Employees
48

Quick answers

Foresight Bank: common questions

Is Foresight Bank FDIC insured?

Yes. Foresight Bank is an FDIC-insured institution (FDIC certificate #5229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Foresight Bank's TellerScore?

41 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Foresight Bank ever failed?

There is no failure record for FDIC certificate #5229 in the FDIC failed bank list.

How many branches does Foresight Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Plainview

InstitutionScoreAssetsCapitalProblem loansCompare
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Bank of AlmaBank Alma, WI83 out of 100, Strong$339.5M50.8%0.97%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
Wnb Financial, N.A.Bank Winona, MN76 out of 100, Strong$583.7M10.3%0.08%vs
Minnesota First Credit and Savings, IncorporatedBank Rochester, MN76 out of 100, Strong$29.9M14.2%0.12%vs