Solutions North Bank
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Data as of · sourced from FFIEC call reports. How we update
Solutions North Bank is an FDIC-insured commercial bank headquartered in Stockton, KS, established in 1951 (FDIC certificate 16971), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $469.5M, up 0.2% from Q2 2025, the 46th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 14.28% 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
- 16971
- Headquarters
- Stockton, KS
- Established
- 1951
- Total assets, Q2 2026
- $469.5M
- Assets vs Q2 2025
- +0.2%
- CET1 ratio, Q2 2026
- 14.28%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101103327
- Holding company
- STOCKTON BANCSHARES, INC.
- Asset rank in state
- 46th of 182 in Kansas
Solutions North Bank runs leaner than most banks of its size. It reported $469 million in assets at June 30, 2026. It spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also lost 0.2% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Earnings jumped: net income for the quarter was $1.7 million, 36% above the same quarter a year earlier. Over the same year, loans grew 4.1% and deposits shrank 0.2%. One more trend to watch: problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.28% of loans, against 0.06% a year earlier.
As of June 30, 2026, Solutions North Bank reported a CET1 capital ratio of 14.28%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 1.52%. The figures come from its call report filed with the FFIEC.
Solutions North Bank ranks as the 46th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.3% to $469.5M, loans rose 1.1% and deposits fell 3.2%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 35.6% of total loans, ahead of 1-4 family residential loans at 16.4%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in KS; its Coffeyville office books 35% of its branch deposits. Judged on its Q2 2026 call report, Solutions North Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 123 N Cedar St, Stockton, KS 67669
- County
- Rooks
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 2, 1951
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $395.5M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $477.8M
- Average total loans
- $294.3M
- Average interest-bearing deposits
- $321.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1951
- FDIC Cert
- 16971
- Fed RSSD
- 612159
- Website
- www.snbks.com →
- Parent Holding Company
- STOCKTON BANCSHARES, INC. (RSSD 1060131)
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 North Bank's total assets ranged from $303.1M (Q2 2024) to $493.3M (Q3 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$469.5M total assets against $468.5M; $411.6M total liabilities against $414.1M.
$290.8M net loans and leases against $279.5M; $395.5M total deposits against $396.4M.
$137.4M securities against $148.3M; $10.8M cash and balances due against $7.8M.
$6.6M total interest income against $6.4M; $2.0M total interest expense against $2.1M.
$4.6M net interest income against $4.3M.
$423K total noninterest income against $251K; $2.7M total noninterest expense against $2.8M.
$87K provision for credit losses against $111K.
$1.7M net income against $1.3M.
1.42% return on assets against 1.05%; 4.05% net interest margin against 3.83%.
14.28% CET1 capital ratio against 13.12%; 10.90% tier 1 leverage ratio against 10.13%.
Inside the full Solutions North Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSolutions North Bank rankings
Its closest position to the top of a national ranking is 616 of 3,606, for efficiency ratio; its furthest is 2,465 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.10% (Q3 2024) to 1.42% (Q2 2026) and its net interest margin ran from 3.66% (Q4 2024) to 4.08% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.28% | 1.42% | 0.28% | 1.52% | 4.05% |
| Q1 2026 | 14.03% | 1.33% | 0.37% | 2.02% | 3.95% |
| Q4 2025 | 13.17% | 1.06% | 0.39% | 2.23% | 4.08% |
| Q3 2025 | 13.53% | 1.19% | 0.41% | 2.27% | 4.01% |
| Q2 2025 | 13.12% | 1.05% | 0.06% | 0.36% | 3.83% |
| Q1 2025 | 13.15% | 0.94% | 0.29% | 1.74% | 3.73% |
| Q4 2024 | 12.74% | 0.86% | 0.00% | 0.00% | 3.66% |
| Q3 2024 | 11.69% | -0.10% | 0.00% | 0.00% | 3.72% |
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 |
|---|---|---|---|
| Coffeyville Branch | Coffeyville , KS | 67337 | $139.7M |
| Solutions North Bank (main office) | Stockton , KS | 67669 | $83.1M |
| Wakeeney Branch | Wakeeney , KS | 67672 | $64.6M |
| Hill City Branch | Hill City , KS | 67642 | $55.8M |
| Norton Branch | Norton , KS | 67654 | $52.2M |
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 |
|---|---|---|---|
| July 3, 2024 | Structure Change | Acquired Community State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 2, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 20, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 20, 2016 | Structure Change | Acquired The Stockton National 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KS, rank 60 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $275K approved, $275K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 North Bank
What are Solutions North Bank's total assets?
As of the Q2 2026 filing, Solutions North Bank reported total assets of $469.5 million in its FFIEC call report.
Where is Solutions North Bank headquartered?
It is headquartered in Stockton, KS, United States.
When was Solutions North Bank founded?
It was established in 1951, per the FDIC institution directory.
Is Solutions North Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16971). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Solutions North Bank?
Solutions North Bank's primary federal regulator is the FDIC.
What is Solutions North Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.28% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Solutions North 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 North Bank's Texas Ratio?
Its Texas Ratio is 1.52% 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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