Bank Comparison
Solon State Bank vs 1st Equity Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 5
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Solon State Bank | 1st Equity Bank |
|---|---|---|
| CET1 Ratio | — | 22.76% |
| Tier 1 Capital Ratio | — | 22.76% |
| Total Capital Ratio | — | 24.02% |
| Tier 1 Leverage Ratio | 24.31% | 16.22% |
| Equity / Assets | 23.35% | 16.91% |
Profitability
| Metric | Solon State Bank | 1st Equity Bank |
|---|---|---|
| Return on Assets (ROA) | 2.78% | 1.62% |
| Return on Equity (ROE) | 12.17% | 9.78% |
| Net Interest Margin (NIM) | 4.81% | 3.87% |
| Yield on Earning Assets | 6.36% | 6.01% |
| Cost of Funds | 1.96% | 2.43% |
Asset quality
| Metric | Solon State Bank | 1st Equity Bank |
|---|---|---|
| Texas Ratio | 29.84% | 0.00% |
| Non-Performing Loan Ratio | 4.32% | 0.00% |
| Non-Performing Asset Ratio | 5.27% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.75% | 1.65% |
Balance sheet
| Metric | Solon State Bank | 1st Equity Bank |
|---|---|---|
| Total Assets | $126,731K | $126,495K |
| Total Deposits | $90,527K | $83,767K |
| Total Loans | $86,042K | $90,288K |
| Total Equity | $29,596K | $21,392K |
| Net Income (quarter) | $890 | $515 |
Liquidity & funding
| Metric | Solon State Bank | 1st Equity Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 95.05% | 107.78% |
| Core Deposit Ratio | 97.35% | 90.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Solon State Bank | 1st Equity Bank |
|---|---|---|
| Headquarters City | SOLON | SKOKIE |
| Headquarters State | IA | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 15 | 12 |
| Established | March 17, 1932, midnight | June 9, 1997, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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