Solutions Bank
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Data as of · sourced from FFIEC call reports. How we update
Solutions Bank is an FDIC-insured commercial bank headquartered in Forreston, IL, established in 1887 (FDIC certificate 11741), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $491.6M, up 5.0% from Q2 2025, the 104th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 13.36% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11741
- Headquarters
- Forreston, IL
- Established
- 1887
- Total assets, Q2 2026
- $491.6M
- Assets vs Q2 2025
- +5.0%
- CET1 ratio, Q2 2026
- 13.36%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071913058
- Holding company
- HIGH POINT FINANCIAL SERVICES, INC.
- Asset rank in state
- 104th of 319 in Illinois
Solutions Bank, based in Forreston, Illinois, reported $492 million in assets at June 30, 2026, up 5.0% from a year earlier. It keeps 3.00 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also funds 8.83% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.49% of loans from 1.84%. Paper losses on its bond portfolio are shrinking: unrealized losses of $26 million equal 58% of Tier 1 capital, down from 73% a year earlier.
As of June 30, 2026, Solutions Bank reported a CET1 capital ratio of 13.36%, a return on assets of 0.90%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 5.88%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Solutions Bank is the 104th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $491.6M, loans rose 2.4% and deposits rose 1.6%. Farmland and other real estate loans made up 24.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.2%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in IL; its Freeport office books 27% of its branch deposits. On its Q2 2026 call report, Solutions Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Main St, Forreston, IL 61030
- County
- Ogle
- Metro Area
- Rochelle, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $385.2M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $511.7M
- Average total loans
- $242.4M
- Average interest-bearing deposits
- $315.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11741
- Fed RSSD
- 927134
- SEC CIK
- 876837 → filed by HIGH POINT FINANCIAL SERVICES, INC.
- Website
- www.solutions.bank →
- Parent Holding Company
- HIGH POINT FINANCIAL SERVICES, INC. (RSSD 1916948)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Solutions Bank's total assets ranged from $449.4M (Q3 2023) to $534.9M (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$491.6M total assets against $468.2M; $463.5M total liabilities against $446.6M.
$244.6M net loans and leases against $246.4M; $385.2M total deposits against $375.1M.
$189.3M securities against $182.4M; $25.3M cash and balances due against $7.3M.
$5.6M total interest income against $5.6M; $2.0M total interest expense against $2.3M.
$3.5M net interest income against $3.3M.
$485K total noninterest income against $338K; $2.8M total noninterest expense against $2.8M.
No provision recorded in the last 12 quarters.
$1.1M net income against $828K.
0.90% return on assets against 0.65%; 3.00% net interest margin against 2.83%.
13.36% CET1 capital ratio against 12.58%; 8.83% tier 1 leverage ratio against 8.74%.
Inside the full Solutions Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSolutions Bank rankings
Its closest position to the top of a national ranking is 1,149 of 3,640, for Texas Ratio; its furthest is 2,716 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.39% (Q4 2024) to 1.15% (Q3 2025) and its net interest margin ran from 2.34% (Q3 2024) to 3.22% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.36% | 0.90% | 0.49% | 5.88% | 3.00% |
| Q1 2026 | 13.49% | 0.96% | 0.45% | 5.31% | 2.93% |
| Q4 2025 | 12.92% | 0.42% | 0.44% | 5.15% | 2.90% |
| Q3 2025 | 13.16% | 1.15% | 0.44% | 5.29% | 3.22% |
| Q2 2025 | 12.58% | 0.65% | 1.84% | 32.33% | 2.83% |
| Q1 2025 | 12.30% | 0.82% | 1.80% | 29.16% | 2.67% |
| Q4 2024 | 12.06% | 0.39% | 1.42% | 27.40% | 2.54% |
| Q3 2024 | 12.12% | 0.46% | 1.39% | 17.55% | 2.34% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Freeport Branch | Freeport , IL | 61032 | $102.9M |
| Solutions Bank (main office) | Forreston , IL | 61030 | $99.8M |
| Durand Branch | Durand , IL | 61024 | $96.6M |
| Menge Lane Branch | Poplar Grove , IL | 61065 | $70.5M |
| Best Road Facility | Davis , IL | 61019 | $15.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 29, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 29, 2022 | Structure Change | Acquired Durand State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 2020 | Structure Change | Acquired The Poplar Grove State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 18, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2014 | Structure Change | Acquired Kent Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 131 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Solutions Bank
What are Solutions Bank's total assets?
As of the Q2 2026 filing, Solutions Bank reported total assets of $491.6 million in its FFIEC call report.
Where is Solutions Bank headquartered?
It is headquartered in Forreston, IL, United States.
When was Solutions Bank founded?
It was established in 1887, per the FDIC institution directory.
Is Solutions Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Solutions Bank?
Solutions Bank's primary federal regulator is the FDIC.
What is Solutions Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Solutions Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Solutions Bank's Texas Ratio?
Its Texas Ratio is 5.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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