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Solutions Bank

Forreston, IL · Cert 11741 · High Point Finl Services Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=147 to 149). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

29

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

37

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Solutions Bank

Forreston, IL · Cert 11741 · High Point Finl Services Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$491.6MAssets
$246.8MLoans
$385.3MDeposits
$28.1MEquity
Loan mix
90%RE $166.6M10%C&I $18.6M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $321.9M16%Noninterest $63.4MQ2 2025Q2 2026

NIM

4.23%Q2 ’244.47%Q2 ’254.36%Q2 ’26+24%+7%

Non-interest income vs. expense

1.90%Q2 ’242.06%Q2 ’252.07%Q2 ’26+8%-3%

Market Position · Rockford, IL · 2026 SOD (annual) · 2.0% share · #13 of 21 inst. · $0.2B of $9.0B

1.4% Winnebago
6.6% Stephenson
7.0% Ogle
8.4% Boone

Executive Summary

  • Earnings: ROA of 0.78%, up 16 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.49% of loans (-134 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.83%, up 9 bps from a year ago.
  • Funding: loans stand at 64.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.78%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+19 bps YoY

Efficiency Ratio (YTD, annualized)

67.62%-577 bps YoY

Tier 1 Leverage Ratio

8.83%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.72%0.64%0.80%0.78%+16 bps
Return on Equity13.55%14.98%12.68%13.77%13.53%-2 bps
Net Interest Margin2.59%2.75%2.69%2.75%2.79%+19 bps
Efficiency Ratio73.39%70.18%72.82%64.74%67.62%-577 bps
Non-Interest Burden1.80%1.81%1.85%1.65%1.74%-5 bps
Growth
Asset Growth (YoY)-12.46%-10.01%-1.51%-1.41%4.99%+1,745 bps
Loan Growth (YoY)-2.52%-5.84%-3.69%-4.92%-0.73%+179 bps
Deposit Growth (YoY)-5.00%-4.79%-1.69%-5.55%2.71%+771 bps
Asset Quality
Nonperforming Loans / Loans1.84%0.44%0.44%0.45%0.49%-134 bps
Net Charge-Offs / Loans0.01%-0.01%0.03%0.00%0.00%-1 bps
Allowance / Loans0.92%0.95%0.89%0.92%0.90%-2 bps
Allowance Coverage of NPLs0.5x2.2x2.0x2.1x1.8x+1.3x
Capital
Tier 1 Leverage Ratio8.74%9.00%8.67%8.77%8.83%+9 bps
Total Risk-Based Capital13.30%13.91%13.63%14.23%14.08%+79 bps
Equity / Assets4.62%5.74%5.89%5.68%5.71%+109 bps
Liquidity & Funding
Loans / Deposits66.29%63.35%66.16%63.60%64.07%-222 bps
Liquid Assets / Assets1.04%0.88%0.79%3.17%2.94%+190 bps
CRE / Total Capitaln/a187.72%193.17%183.87%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Solutions Bank

Forreston, IL · Cert 11741 · Peer group: banks under $1B in assets in IL (n=147-149) · High Point Finl Services Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$491.6MAssets
$246.8MLoans
$385.3MDeposits
$28.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 28 of 147).
  • Widest gap: equity / assets trails 99% of banks under $1B in assets in IL (rank 147 of 149).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.77%

Rank 108 of 149

Net Interest Margin

2.79%

Rank 132 of 149

Efficiency Ratio

67.62%

Rank 95 of 149

Equity / Assets

5.71%

Rank 147 of 149

Non-interest income vs. expense

$1.7M$10.6MINCOMEEXPENSE
Unfavorable gap of $8.9M · efficiency ratio beats 37% of banks under $1B in assets in IL
Bank 67.62%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.77%0.74%1.04%1.34%Beats 28%108 / 149
Return on Equity13.52%6.82%9.34%12.94%Beats 81%29 / 149
Net Interest Margin2.79%3.04%3.43%3.83%Beats 11%132 / 149
Efficiency Ratio67.62%54.64%64.55%71.82%Beats 37%95 / 149
Asset Quality
Nonperforming Loans / Loans0.49%0.19%0.65%1.77%Beats 56%65 / 147
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%28 / 147
Capital
Tier 1 Capital Ratio13.36%11.87%14.21%18.66%Beats 42%86 / 149
Total Risk-Based Capital Ratio14.08%12.22%14.72%19.92%Beats 43%85 / 149
Equity / Assets5.71%9.24%10.65%12.40%Beats 1%147 / 149
Liquidity & Funding
Loans / Deposits64.07%53.80%70.99%80.75%35th pctl95 / 147
Loans / Assets50.21%46.03%61.30%67.68%34th pctl99 / 149
Brokered Deposits / Depositsn/aNot reported for this institution