# FORESIGHT BANK
PLAINVIEW, MN · FDIC certificate 5229 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $433.8M | |
| Deposits | $345.3M | |
| Loans and leases | $352.6M | |
| Total equity | $41.2M | |
| Loans / deposits | 101.10% (p90 of band) | 82.04% |
| Liquid assets / assets | 15.85% (p18 of band) | |
| Uninsured deposits / deposits | 18.02% (p22 of band) | 25.97% |
| Brokered deposits | 3.86% | |
| Wholesale funding | 14.27% (p86 of band) | |
| FHLB advances / assets | 10.42% | |
| Tier 1 leverage | 10.20% (p39 of band) | 10.81% |
| Unrealized securities loss / equity | -6.54% (p55 of band) | -8.10% |
| AOCI / equity | 0.86% (p94 of band) | |
| ROA (annualized) | 1.18% (p44 of band) | 1.28% |
| Net interest margin | 3.30% (p20 of band) | 3.91% |
| Efficiency ratio | 56.62% (p35 of band) | |
| Noncurrent loans | 3.04% (p94 of band) | 0.43% |
| Net charge-offs (annualized) | 0.12% (p86 of band) | |
| Reserve coverage of noncurrent | 32.86% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 31.40% (p38 of band) | |
| Auto loans | $2.4M (0.68% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | loans exceed deposits |
| 2012-03 | 2 | loans exceed deposits |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 2 |  | loans exceed deposits |
| 2013-03 | 2 | loans exceed deposits | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 4 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2015-03 | 3 |  | uninsured deposits leaving |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 3 | uninsured deposits leaving |  |
| 2015-12 | 2 |  | uninsured deposits leaving |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | loans exceed deposits |  |
| 2017-06 | 3 | wholesale funding >15%, capital falling |  |
| 2017-09 | 2 |  | loans exceed deposits |
| 2017-12 | 2 | brokered >10% | wholesale funding >15% |
| 2018-03 | 3 | wholesale funding >15%, reserve under noncurrent | capital falling |
| 2018-06 | 2 |  | reserve under noncurrent |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | reserve under noncurrent |  |
| 2019-06 | 2 |  | reserve under noncurrent |
| 2019-09 | 3 | reserve under noncurrent |  |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 1 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | reserve under noncurrent | capital falling |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | loans exceed deposits, wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 1 | capital falling | loans exceed deposits, wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | loans exceed deposits |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 | reserve under noncurrent | capital falling, loans exceed deposits |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 2 | noncurrent p90 |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | charge-offs p90 |  |
| 2026-06 | 3 | loans exceed deposits | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-12-08 [Foresight Bank to open Eyota branch as Bremer leaves town - Post Bulletin](https://news.google.com/rss/articles/CBMimwFBVV95cUxQaThaYWJRRGRTTmZTLXltY3JXTEdNZGM1SEhsQTN4UG1QWmhlY3RrYjMyQkxSLVBkamJEc01zb2ZncWdqQ2R3YzAtMmtLR2hsS2h2elI3NFNiRTYzTWJ1dktqQTFRenZsRmRBNU05NU81cnpNVzQ4UkNrWUE3YnBjcFFiSFUyVlBaLTFSQUwzNjFQQkJ0ck1iUFlKVQ?oc=5) · Post Bulletin
- 2025-07-23 [Dover-Eyota reaches naming rights deal for outdoor stadium - kimt.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQTExIUVh1QzhtNjhJUEdxSkVGZlJUOTNCSEJQWEd4MjRiaV9SRi1HRTVzWWRUZjJtWm9lYm9xSnRPRXBCTnUxR2hSS19kS2tBTlp1NlRwS0tWUFlDeE9WOTFwTXhQdGVIMFZhcHNnRWxxdjktZG9RZjZSSHBoZnN2VEdjWU1zaE1OV2ZVa1BiS2kybVUwc1Y2M2VxWU42NkdNSWZxbVNkdnNEaWVqc0hXcUtxLWFsdmJBVUNWdGNfTHl6TzY3Q1hUQkp4QVluUUdsbUlXZVhjTQ?oc=5) · kimt.com
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2025-03-31 [Minnesota’s Small Business Person of the Year scores big with Walmart contract extension - startribune.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPSks3emthMVhaTGg4bXRsQ0xmZ3UtaHBGLWQ4OXUxSGxrNUpPazdTWjZpdGF0QXZ2X0lHa29Rc3J0cnctbzIxZTN4a0UxUzZMRzhEUkdQbFNYZXZnbmFnNFRqTk1BN2FpdkZ5eXFTTnpSQU9DcjFSb0lsRElKQ212eU8zX1EzM0pYZHNtSlZlZUVOYVlJaVd0c05xZmpGekNLc05ZbE1IUE1QQQ?oc=5) · startribune.com
- 2023-06-01 [Minnwest to deposit new northwest office along Rochester's West Circle Drive - Post Bulletin](https://news.google.com/rss/articles/CBMiswFBVV95cUxQYVlwLXhhTjA2WVRyQ2tzMUlNS0tNSVM0SzRBR0d6RlR2MDcxRnBXbEhiNU9LX1M5UnFWdXg5Qm9sd29NRVc1VTlLLWxXeHdnaFp2SDdiY2RmZkdVRDB3dVlYdVNmT1BycHNwSDk3VHhxTS1IaW1keERoZThrVXc5a2lyTldDUjFOQ3NSLVFFNHgyTWlZSGhmMGpQOUxRX2pDTGhtZy1BRFk5ZFJlVHA0aUZNcw?oc=5) · Post Bulletin
- 2024-12-02 [URGENT! New Toys Needed Now For Toys For Tots in Southeast Minnesota - Y105FM](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1TVUVJVjNJMDNDRnBEMXV0V2FxWVVjYWc3M0Q0OWUySTgxVExXMHZUSnM2a3dSSGJRc0E4ZHV3UWlweS1nWVY3SXQ4N2w2cUpyQnBXeHY3cGhueDhacDVuZ0RmVQ?oc=5) · Y105FM
- 2024-10-22 [Entrepreneurs gaining resources through E1 Summit and Expo - kimt.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxPSFV2aFh4M2NPT3oxWGhvWGFTRmRlWUJnTGw3MDdWUG5FQlNlbF8wRVM5aXNLYUZENFVfUWlSSlhSWDQ3dkV6MUZOY3JMQkE3bVk1NGxjOWxJbklMb2RxeWxJeExEcHo5ZERBcjlaN191OTJKWFgyV0F1VFNzSTdtdnNMRHAxRnBCODJBaHJKRWNEc2ROQjRZT0hQSlE5UDB3T1l0NGJ4cTZ5bnYzc1R2VGtCZW10VmJaRHdhLTU4aTJtX0ZBWTBaeW9BM0JpMk0?oc=5) · kimt.com
- 2025-04-08 [Small Minnesota company is leaving goods in China because it can’t afford tariffs - startribune.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQNEZFM21KYjV6MW42aTRfSE1oTWNfelhTOXdIVklpOF9DemViZ1Q0YU5lYjIxeGxWTG5za0JJOHhOZTRSOTBsdHc4T3BEc2xPWnd4U19wdEpSeEwwYUtvQ1gxcEJBSHAtN082SWtZeDhIVTMtMmthc3RkaTFNMjBWd040YkpPd0VsWDFzZVVFYTFaUGllMUdva05oZnRuTGVKOVF3cg?oc=5) · startribune.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5229 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "5229", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide