Solutions Plus 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.
Deposits to assets climbed 16.10 percentage points in Q2 2026, from 31.93% to 48.03%. It was the largest change from Q1 2026 among the key lines here. Solutions Plus Bank has the 1st lowest return on assets of the 93 banks headquartered in Alabama, at -4.71% as of Q2 2026. Solutions Plus Bank's return on assets of -4.71% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 5.69 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 | 56.70% |
| Equity capital to assets | 51.43% |
| Tangible equity to tangible assets | 51.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -4.71% |
| Return on equity | -8.21% |
| Net interest margin | 3.15% |
| Efficiency ratio | 235.45% |
| Yield on earning assets | 4.62% |
| Cost of funds | 2.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.97% |
| Core deposits to total deposits | 75.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 48.03% |
| Securities to assets | 8.84% |
Vital Signs trend
Last 3 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 |
|---|---|---|---|---|---|
| Q4 2025 | 91.05% | — | — | 0.00% | — |
| Q1 2026 | 73.78% | -5.88% | 2.92% | 0.00% | 0.00% |
| Q2 2026 | 56.70% | -4.71% | 3.15% | 0.00% | 0.00% |
Solutions Plus Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Solutions Plus 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 Plus Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59362) · FFIEC NIC profile (RSSD 5975224)