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FIXnotes

FORESIGHT BANK

BANK

WINNEBAGO, IL · NM

Total Assets
$1.8B
Total Loans
$1.1B
7.2%
+0.3
FORESIGHT BANK in IL reported a Texas ratio of 7.2% in Q1 2026, up +0.3pp from the prior quarter. Nonperforming loans totaled 1.16%, an increase of +0.09pp.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
Real estate (all)
Commercial real estate
Construction & land
FOUNDATION Multifamily Unlock to view
FOUNDATION Non-residential CRE Unlock to view
FOUNDATION Residential real estate Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION Other loans Unlock to view
FOUNDATION 1-4 family — 1st lien Unlock to view
FOUNDATION 1-4 family — junior lien Unlock to view
FOUNDATION 1-4 family — HELOC Unlock to view
FOUNDATION Multifamily Unlock to view
FOUNDATION CRE — owner-occupied Unlock to view
FOUNDATION CRE — non-owner-occupied Unlock to view
FOUNDATION Construction — 1-4 family Unlock to view
FOUNDATION Construction — other Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

FOUNDATION

Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Illinois mortgage-note market & lender distress →

Recent acquisitions

Institutions FORESIGHT BANK absorbed since 2024 and the inherited portfolio's last-reported call-report figures. Why inherited portfolios matter

  • State Bank of HerscherHerscher, IL · May 1, 2025 · Merger
    Inherited NPL volume
    $2M
    Inherited NPL %
    2.49%
    Total loans inherited
    $66M
    Total assets inherited
    $157M
    YTD charge-offs (at close)
    $0
    Last filing
    Mar 31, 2025
  • Lena State BankLena, IL · May 1, 2025 · Merger
    Inherited NPL volume
    $334K
    Inherited NPL %
    0.52%
    Total loans inherited
    $64M
    Total assets inherited
    $97M
    YTD charge-offs (at close)
    $0
    Last filing
    Mar 31, 2025
  • Northwest Bank of RockfordRockford, IL · May 1, 2025 · Merger
    Inherited NPL volume
    $14M
    Inherited NPL %
    4.13%
    Total loans inherited
    $347M
    Total assets inherited
    $483M
    YTD charge-offs (at close)
    $74K
    Last filing
    Mar 31, 2025
  • State BankFreeport, IL · May 1, 2025 · Merger
    Inherited NPL volume
    $790K
    Inherited NPL %
    0.27%
    Total loans inherited
    $296M
    Total assets inherited
    $386M
    YTD charge-offs (at close)
    $0
    Last filing
    Mar 31, 2025
  • State Bank of DavisDavis, IL · May 1, 2025 · Merger
    Inherited NPL volume
    $776K
    Inherited NPL %
    0.79%
    Total loans inherited
    $99M
    Total assets inherited
    $171M
    YTD charge-offs (at close)
    $0
    Last filing
    Mar 31, 2025