Solutions Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Total equity capital edged up 1.7% between Q1 2026 and Q2 2026, to $28.1M. Solutions Bank ranks 132nd of 198 Illinois banks on CET1 ratio, in the lower half at 13.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Solutions Bank sits 1.72 points lower, at 13.36% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.36% |
| Tier 1 risk-based capital ratio | 13.36% |
| Total risk-based capital ratio | 14.08% |
| Tier 1 leverage ratio | 8.83% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $44.3M |
| Tier 1 capital | $44.3M |
| Total risk-based capital | $46.7M |
| Total equity capital | $28.1M |
| Risk-weighted assets | $331.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.71% |
| Tangible equity to tangible assets | 3.85% |
| Equity capital to average assets | 5.49% |
| Internal capital growth rate | 0.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $380K |
| Common stock surplus | $49.1M |
| Retained earnings | $4.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$25.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.46% | — |
| Q4 2023 | — | — | — | 9.21% | — |
| Q1 2024 | — | — | — | 8.78% | — |
| Q2 2024 | — | — | — | 8.06% | — |
| Q3 2024 | 12.12% | 12.12% | 12.81% | 7.94% | $360.6M |
| Q4 2024 | 12.06% | 12.06% | 12.76% | 7.96% | $357.4M |
| Q1 2025 | 12.30% | 12.30% | 12.99% | 8.54% | $354.7M |
| Q2 2025 | 12.58% | 12.58% | 13.30% | 8.74% | $346.6M |
| Q3 2025 | 13.16% | 13.16% | 13.91% | 9.00% | $336.5M |
| Q4 2025 | 12.92% | 12.92% | 13.63% | 8.67% | $339.0M |
| Q1 2026 | 13.49% | 13.49% | 14.23% | 8.77% | $327.8M |
| Q2 2026 | 13.36% | 13.36% | 14.08% | 8.83% | $331.8M |
Solutions Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Solutions Bank, freeSource: Call Report Schedule RC-R, 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 Solutions Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11741) · FFIEC NIC profile (RSSD 927134)