Foresight Bank
Winnebago, Illinois, Winnebago County
$1.7B in total assets, the 681st largest of 4,309 US banks and 42nd of 328 headquartered in Illinois.
- FDIC certificate
- 5749
- Established
- 1907
- Owned by
- Foresight Financial Group Inc
- Primary regulator
- FDIC
- Website
- www.ffgbank.com
At a glance
Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.7B | 26% | $2.7B | |
| Loans | $1.1B | 24% | $2.1B | |
| Deposits | $1.5B | 26% | $2.3B | |
| Return on assets | 0.84% | 16% | 1.42% | |
| Net interest margin | 3.62% | 55% | 3.53% | |
| Efficiency ratio | 62.2% | 76% | 51.0% | |
| Equity to assets | 9.93% | 47% | 10.00% | |
| Loans to deposits | 75% | 16% | 87% |
Growth
Total assets grew 41.5% a year over the last 5 years and 22.8% a year over 10 years, including 5 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 2025 | State Bank of Davis Davis, IL, an affiliate under the same holding company | $171M |
| May 2025 | Northwest Bank of Rockford Rockford, IL, an affiliate under the same holding company | $483M |
| May 2025 | State Bank Freeport, IL, an affiliate under the same holding company | $386M |
| May 2025 | State Bank of Herscher Herscher, IL, an affiliate under the same holding company | $157M |
| May 2025 | Lena State Bank Lena, IL, an affiliate under the same holding company | $97M |
Where they operate
12 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Winnebago County, IL | $675M | 8.2% | 6 of 18 |
| Stephenson County, IL | $669M | 42.8% | 1 of 9 |
| Kankakee County, IL | $147M | 5.2% | 7 of 13 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 8 branches since 2016 (4 to 12, +200.0%). 1 opened, 9 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2022 | Closed Pecatonica | 0 | 1 | −1 | 3 |
| 2025 | Acquired 5 banksOpened German Valley, closed Winnebago | 10 | 1 | +9 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 29% | 28% | |
| Business (C&I) | 17% | 26% | |
| Farmland | 16% | 3% | |
| 1-4 family residential | 13% | 14% | |
| Agricultural | 11% | 1% | |
| Multifamily | 6% | 9% | |
| Consumer | 5% | 6% | |
| Construction and land | 2% | 7% | |
| Other | 2% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 55% | |
| Time deposits | 32% | 24% | |
| Noninterest-bearing | 16% | 21% |
Brokered deposits are 0.7% of deposits (peers 8.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.51% | 0.49% |
| Net charge-offs, annualized | 0.09% | 0.07% |
| Reserves to loans | 1.16% | 1.07% |
| Leverage ratio | 11.27% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Winnebago County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/foresight-bank-winnebago-il