SOLON STATE BANK

SOLON, IA | Small | Est. March 17, 1932, midnight | FDIC #232 | RSSD #185448 | FDIC
Latest Report: 2025-12-31

SOLON STATE BANK is asn small FDIC-insured commercial bank headquartered in SOLON, IA, established in March 17, 1932, midnight. As of 2025-12-31, the bank reported total assets of $126M and total deposits of $83M. Profitability stands at 3.69% ROA and 16.27% ROE, with a net interest margin of 5.70%. The bank's CET1 capital ratio is 23.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 4.49% and a Texas Ratio of 22.94%. FDIC Certificate #232.

Assets

$126M

Deposits

$83M

Loans

$84M

Equity

$29M

Profitability

Return on Assets (ROA) 3.69%
Return on Equity (ROE) 16.27%
Net Interest Margin (NIM) 5.70%
Yield on Assets 7.30%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 4.49%
Net Charge-Off Ratio 0.26%
Texas Ratio 22.94%
NPA Ratio 5.38%
ACL / Loans 0.71%

Capital & Liquidity

CET1 Ratio 23.00%
Tier 1 Capital 23.00%
Total Capital Ratio 24.15%
Leverage Ratio 24.27%
Loan-to-Deposit 100.34%

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