Solutions Bank
Forreston, IL · Cert 11741 · Peer group: banks under $1B in assets in IL (n=149-151) · 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 27 of 149).
- Widest gap: equity / assets trails 98% of banks under $1B in assets in IL (rank 148 of 151).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.77%
Rank 108 of 151
Net Interest Margin
2.79%
Rank 132 of 151
Efficiency Ratio
67.62%
Rank 94 of 151
Equity / Assets
5.71%
Rank 148 of 151
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 38% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.70% | 1.03% | 1.34% | Beats 28% | 108 / 151 | | |
| Return on Equity | 13.52% | 6.74% | 9.34% | 12.94% | Beats 81% | 29 / 151 | | |
| Net Interest Margin | 2.79% | 3.02% | 3.43% | 3.83% | Beats 13% | 132 / 151 | | |
| Efficiency Ratio | 67.62% | 54.64% | 64.89% | 72.50% | Beats 38% | 94 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.20% | 0.66% | 1.77% | Beats 57% | 65 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 13.36% | 11.83% | 14.17% | 18.66% | Beats 44% | 85 / 151 | | |
| Total Risk-Based Capital Ratio | 14.08% | 12.22% | 14.54% | 19.92% | Beats 44% | 84 / 151 | | |
| Equity / Assets | 5.71% | 9.10% | 10.65% | 12.40% | Beats 2% | 148 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.07% | 54.39% | 71.02% | 80.75% | 35th pctl | 97 / 149 | | |
| Loans / Assets | 50.21% | 45.91% | 61.31% | 68.01% | 33rd pctl | 101 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |