Solon State Bank
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
$122.5MAssets
$86.6MLoans
$90.3MDeposits
$27.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets operating in a single state (rank 20 of 746).
- Widest gap: nonperforming loans / loans trails 100% of banks under $1B in assets operating in a single state (rank 742 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state | 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 |