Solon, IA · Cert 232 · Solon Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
2
Profitability
30
Liquidity
19
Efficiency
97
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.
Solon, IA · Cert 232 · Solon Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Iowa City, IA · 2026 SOD (annual) · 1.3% share · #11 of 20 inst. · $0.1B of $5.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.80% | 2.10% | 2.20% | 1.99% | 2.04% | 2.30% | 2.31% | 0.05% | -194 bps | |
| Return on Equity | 9.16% | 10.61% | 10.64% | 9.44% | 9.56% | 10.57% | 9.96% | 0.22% | -922 bps | |
| Net Interest Margin | 4.15% | 4.39% | 4.38% | 4.47% | 4.61% | 4.78% | 4.41% | 4.36% | -11 bps | |
| Efficiency Ratio | 45.28% | 42.50% | 41.75% | 40.44% | 40.46% | 39.26% | 39.62% | 39.60% | -84 bps | |
| Non-Interest Burden | 1.73% | 1.61% | 1.59% | 1.55% | 1.60% | 1.55% | 1.36% | 1.42% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.27% | 3.95% | 0.68% | -2.78% | -0.34% | -2.01% | -1.24% | -1.92% | +86 bps | |
| Loan Growth (YoY) | 11.89% | 14.60% | 11.37% | 5.81% | 9.12% | 4.83% | 6.18% | 9.01% | +320 bps | |
| Deposit Growth (YoY) | 3.40% | 6.67% | -7.88% | -10.78% | -7.16% | -9.91% | 4.63% | 5.81% | +1,659 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 7.26% | 9.65% | 11.11% | 6.23% | 5.54% | 4.87% | 7.05% | 11.69% | +546 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.11% | 0.00% | 0.00% | 0.00% | 0.26% | 0.00% | 0.91% | +92 bps | |
| Allowance / Loans | 0.62% | 0.58% | 0.57% | 0.90% | 1.00% | 0.71% | 0.75% | 2.22% | +133 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.1x | 0.1x | 0.2x | 0.1x | 0.1x | 0.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.23% | 22.21% | 22.86% | 22.92% | 23.68% | 24.27% | 24.31% | 23.00% | +9 bps | |
| Total Risk-Based Capital | 22.23% | 22.21% | 22.86% | 22.92% | 23.68% | 24.27% | 24.31% | 23.00% | +9 bps | |
| Equity / Assets | 20.56% | 20.28% | 21.09% | 21.81% | 22.42% | 23.00% | 23.35% | 22.76% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.26% | 86.23% | 93.66% | 93.13% | 96.69% | 100.34% | 95.05% | 95.94% | +281 bps | |
| Liquid Assets / Assets | 0.01% | 0.05% | 0.02% | 0.08% | 0.02% | 0.11% | 0.07% | 0.16% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 128.42% | 131.03% | 123.92% | n/a | n/a | |
Solon, IA · Cert 232 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Solon Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.05%
Rank 718 of 746
Net Interest Margin
4.36%
Rank 129 of 746
Efficiency Ratio
39.60%
Rank 20 of 746
Equity / Assets
22.76%
Rank 24 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.05% | 0.72% | 1.06% | 1.45% | Beats 4% | 718 / 746 | ||
| Return on Equity | 0.22% | 6.74% | 10.51% | 13.63% | Beats 4% | 718 / 746 | ||
| Net Interest Margin | 4.36% | 3.17% | 3.68% | 4.16% | Beats 83% | 129 / 746 | ||
| Efficiency Ratio | 39.60% | 55.74% | 64.58% | 75.47% | Beats 97% | 20 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 11.69% | 0.09% | 0.42% | 1.07% | Beats 0% | 742 / 743 | ||
| Net Charge-Offs / Loans | 0.46% | 0.00% | 0.01% | 0.05% | Beats 3% | 723 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.00% | 11.55% | 13.75% | 17.60% | Beats 89% | 84 / 746 | ||
| Total Risk-Based Capital Ratio | 23.00% | 11.71% | 14.33% | 18.43% | Beats 87% | 98 / 746 | ||
| Equity / Assets | 22.76% | 8.90% | 10.51% | 13.06% | Beats 97% | 24 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.94% | 61.31% | 78.27% | 90.78% | 86th pctl | 107 / 746 | ||
| Loans / Assets | 70.74% | 53.60% | 66.97% | 76.08% | 59th pctl | 306 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||