Solon State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on assets: 5.48 percentage points lower than in Q1 2026, at -2.69%. Solon State Bank has the 3rd lowest return on assets of the 225 banks headquartered in Iowa, at -2.69% as of Q2 2026. Solon State Bank's return on assets of -2.69% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 3.95 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 23.00% |
| Equity capital to assets | 22.76% |
| Tangible equity to tangible assets | 22.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 11.69% |
| Non-performing assets ratio | 10.69% |
| Net charge-off ratio | 1.83% |
| Texas ratio | 43.92% |
| Allowance for credit losses to loans | 2.22% |
| Reserve coverage of non-performing loans | 19.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -2.69% |
| Return on equity | -11.96% |
| Net interest margin | 4.48% |
| Efficiency ratio | 38.47% |
| Yield on earning assets | 5.99% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.94% |
| Core deposits to total deposits | 89.01% |
| Brokered deposits to total deposits | 7.75% |
| Deposits to assets | 73.74% |
| Securities to assets | 24.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 21.84% | 2.07% | 4.61% | 10.01% | 0.40% |
| Q4 2023 | 22.48% | 2.54% | 4.85% | 9.55% | 0.00% |
| Q1 2024 | 21.99% | 1.92% | 4.20% | 8.73% | -0.09% |
| Q2 2024 | 21.58% | 2.39% | 4.33% | 12.19% | 0.03% |
| Q3 2024 | 22.23% | 2.34% | 4.68% | 7.26% | -0.01% |
| Q4 2024 | 22.21% | 3.50% | 5.74% | 9.65% | 0.51% |
| Q1 2025 | 22.86% | 2.73% | 4.63% | 11.11% | 0.00% |
| Q2 2025 | 22.92% | 2.08% | 4.79% | 6.23% | 0.00% |
| Q3 2025 | 23.68% | 2.66% | 5.03% | 5.54% | 0.00% |
| Q4 2025 | 24.27% | 3.72% | 5.60% | 4.87% | 1.06% |
| Q1 2026 | 24.31% | 2.78% | 4.81% | 7.05% | 0.00% |
| Q2 2026 | 23.00% | -2.69% | 4.48% | 11.69% | 1.83% |
Solon State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Solon State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Solon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 232) · FFIEC NIC profile (RSSD 185448)