TellerScore

Foresight Bank is a state-chartered bank headquartered in Winnebago, Illinois, in business for about 119 years. At the end of Q2 2026 it reported $1.7B in total assets and $1.5B in deposits, with 14 offices.

Foresight Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 27% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 237th. Problem-loan coverage contributes the most (82/100, 9.2%); loan quality contributes the least (50/100, 1.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.27%
Loan quality50/100
Noncurrent loans ÷ total loans: 1.51%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 74.0% · 33.2% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.21%

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 rose 7 points (55 → 62), mostly because the loan quality component improved by 10 points.

TellerScore
415365Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202441
Q4 202441
Q1 202544
Q2 202555
Q3 202555
Q4 202564
Q1 202665
Q2 202662
Tier 1 leverage ratio
5.00%8.16%11.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.49%
Q3 20249.61%
Q4 20249.65%
Q1 20259.88%
Q2 202510.62%
Q3 202511.31%
Q4 202511.02%
Q1 202611.26%
Q2 202611.27%
Noncurrent loans
1.08%2.40%3.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.16%
Q3 20243.26%
Q4 20243.72%
Q1 20253.04%
Q2 20251.79%
Q3 20252.06%
Q4 20251.08%
Q1 20261.16%
Q2 20261.51%
Return on assets
0.75%0.89%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.87%
Q4 20240.82%
Q1 20250.90%
Q2 20250.90%
Q3 20250.75%
Q4 20250.78%
Q1 20260.97%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$1.7B11.27%1.51%1.02%74.0%
Q1 202665$1.8B11.26%1.16%0.97%72.0%
Q4 202564$1.7B11.02%1.08%0.78%78.7%
Q3 202555$1.6B11.31%2.06%0.75%80.9%
Q2 202555$1.6B10.62%1.79%0.90%80.3%
Q1 202544$334.8M9.88%3.04%0.90%75.2%
Q4 202441$338.9M9.65%3.72%0.82%76.4%
Q3 202441$341.9M9.61%3.26%0.87%82.3%
Q2 202449$343.5M9.49%2.16%0.83%81.7%

897 peers · $1 billion – $10 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 ratio11.27%
66th
Total risk-based capital0.00%
13th
Problem loans1.51%
15th
Net charge-offs0.09%
33rd
Return on assets1.02%
32nd
Net interest margin3.62%
44th
Efficiency ratio62.2%
39th
Loans to deposits74.0%
78th
Uninsured deposits33.2%
43rd
Loan-loss reserves1.16%
52nd
Texas ratio9.2%
20th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Servbank, National AssociationBank Oswego, IL76 out of 100, Strong$1.7B11.8%0.59%vs
First State BankBank Mendota, IL69 out of 100, Moderate$1.6B10.9%0.47%vs
Providence Bank & TrustBank South Holland, IL81 out of 100, Strong$1.6B11.5%0.01%vs
Dieterich BankBank Effingham, IL46 out of 100, Below average$1.6B8.4%1.87%vs
Central Bank IllinoisBank Geneseo, IL55 out of 100, Moderate$1.5B10.4%1.85%vs
Bank of SpringfieldBank Springfield, IL55 out of 100, Moderate$2.0B9.2%1.43%vs

Deposit insurance

Is my money safe at Foresight Bank?

Yes. Foresight Bank is an FDIC-insured institution (FDIC certificate #5749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.2% of deposits ($494.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Foresight Bank lists 12 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Foresight Bank reported 127 home-loan applications under HMDA (LEI 549300ZTG888WY6L8M95): 102 originated ($31,450,000 total), 16 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.2%, 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
German-American State Bank
Type
State-chartered bank
FDIC certificate #
5749
RSSD ID
556936
Primary regulator
FDIC
Holding company
Foresight Financial Group Inc
Established
January 6, 1907
Headquarters
809 Cannel Puri Ct, Winnebago, IL 61088
Employees
243

Quick answers

Foresight Bank: common questions

Is Foresight Bank FDIC insured?

Yes. Foresight Bank is an FDIC-insured institution (FDIC certificate #5749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Foresight Bank's TellerScore?

62 out of 100 (Moderate), 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 #5749 in the FDIC failed bank list.

How many branches does Foresight Bank have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winnebago

InstitutionScoreAssetsCapitalProblem loansCompare
Generations Credit UnionCredit union Rockford, IL91 out of 100, Very strong$22.4M16.4%0.10%vs
Linxus Credit UnionCredit union Machesney Park, IL91 out of 100, Very strong$17.5M16.2%0.02%vs
Teachers Credit UnionCredit union Beloit, WI81 out of 100, Strong$37.6M12.2%0.16%vs
Blackhawk Area Credit UnionCredit union Savanna, IL79 out of 100, Strong$39.1M13.4%0.13%vs
First Northern Credit UnionCredit union Chicago, IL78 out of 100, Strong$333.2M11.3%0.71%vs
The First National Bank in AmboyBank Amboy, IL78 out of 100, Strong$324.5M10.7%0.04%vs