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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.87% | 2.99% | 2.20% | 1.76% | 2.17% | 3.04% | 2.31% | -2.76% | -452 bps | |
| Return on Equity | 9.44% | 14.64% | 10.64% | 8.22% | 9.83% | 13.38% | 9.96% | -11.96% | -2,018 bps | |
| Net Interest Margin | 4.38% | 5.41% | 4.38% | 4.52% | 4.72% | 5.28% | 4.41% | 4.30% | -22 bps | |
| Efficiency Ratio | 41.39% | 36.89% | 41.75% | 39.16% | 40.49% | 36.24% | 39.62% | 39.58% | +42 bps | |
| Non-Interest Burden | 1.65% | 1.36% | 1.59% | 1.50% | 1.62% | 1.40% | 1.36% | 1.48% | -2 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 | -0.01% | 0.49% | 0.00% | 0.00% | 0.00% | 1.05% | 0.00% | 1.83% | +183 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 | |