Solutions 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 Reserve coverage of non-performing loans: 79.70 percentage points higher than in Q1 2026, at 285.29%. Within Illinois, Solutions Bank is 219th of 323 on return on assets, 0.90% as of Q2 2026. Solutions Bank reported 0.90% on return on assets for Q2 2026, 0.36 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.36% |
| Tier 1 risk-based capital ratio | 13.36% |
| Total risk-based capital ratio | 14.08% |
| Tier 1 leverage ratio | 8.83% |
| Equity capital to assets | 5.71% |
| Tangible equity to tangible assets | 3.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.88% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 285.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 16.53% |
| Net interest margin | 3.00% |
| Efficiency ratio | 68.79% |
| Yield on earning assets | 4.69% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.07% |
| Core deposits to total deposits | 88.79% |
| Brokered deposits to total deposits | 1.30% |
| Deposits to assets | 78.37% |
| Securities to assets | 38.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.46% | 0.66% |
| Q4 2023 | — | — | — | 9.21% | 0.10% |
| Q1 2024 | — | — | — | 8.78% | 0.44% |
| Q2 2024 | — | — | — | 8.06% | 0.37% |
| Q3 2024 | 12.12% | 12.12% | 12.81% | 7.94% | 0.46% |
| Q4 2024 | 12.06% | 12.06% | 12.76% | 7.96% | 0.39% |
| Q1 2025 | 12.30% | 12.30% | 12.99% | 8.54% | 0.82% |
| Q2 2025 | 12.58% | 12.58% | 13.30% | 8.74% | 0.65% |
| Q3 2025 | 13.16% | 13.16% | 13.91% | 9.00% | 1.15% |
| Q4 2025 | 12.92% | 12.92% | 13.63% | 8.67% | 0.42% |
| Q1 2026 | 13.49% | 13.49% | 14.23% | 8.77% | 0.96% |
| Q2 2026 | 13.36% | 13.36% | 14.08% | 8.83% | 0.90% |
Solutions Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Solutions 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 Solutions Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11741) · FFIEC NIC profile (RSSD 927134)