SOLUTIONS BANK

FORRESTON, IL | Small | Est. Jan. 1, 1887, midnight | FDIC #11741 | RSSD #927134 | FDIC
Latest Report: 2025-12-31

SOLUTIONS BANK is asn small FDIC-insured commercial bank headquartered in FORRESTON, IL, established in Jan. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $484M and total deposits of $376M. Profitability stands at 0.45% ROA and 7.75% ROE, with a net interest margin of 3.08%. The bank's CET1 capital ratio is 12.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 3.53%. FDIC Certificate #11741.

Assets

$484M

Deposits

$376M

Loans

$249M

Equity

$28M

Profitability

Return on Assets (ROA) 0.45%
Return on Equity (ROE) 7.75%
Net Interest Margin (NIM) 3.08%
Yield on Assets 5.09%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.53%
NPA Ratio 0.22%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 12.92%
Tier 1 Capital 12.92%
Total Capital Ratio 13.63%
Leverage Ratio 8.67%
Loan-to-Deposit 66.16%

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