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Solomon State Bank

Solomon, KS · Cert 4773 · Solomon Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$182.6MAssets
$139.9MLoans
$146.8MDeposits
$34.1MEquity
Loan mix
93%RE $126.9M4%C&I $5.7M3%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $132.2M10%Noninterest $14.6MQ2 2025Q2 2026

NIM

5.90%Q2 ’246.24%Q2 ’256.23%Q2 ’26+0%+7%

Non-interest income vs. expense

2.09%Q2 ’241.78%Q2 ’251.73%Q2 ’26-15%-5%

Executive Summary

  • Earnings: ROA of 1.97%, up 26 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 19.05%, down 37 bps from a year ago.
  • Funding: loans stand at 95.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.97%+26 bps YoY

Net Interest Margin (quarter, annualized)

4.19%+26 bps YoY

Efficiency Ratio (quarter, annualized)

40.53%-426 bps YoY

Tier 1 Leverage Ratio

19.05%-37 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.54%1.89%1.59%1.97%+26 bps
Return on Equity8.87%8.12%10.14%8.51%10.49%+162 bps
Net Interest Margin3.93%4.05%3.91%4.01%4.19%+26 bps
Efficiency Ratio44.79%51.19%39.57%50.19%40.53%-426 bps
Non-Interest Burden1.73%2.05%1.51%1.99%1.65%-8 bps
Growth
Asset Growth (YoY)1.79%7.24%5.42%1.96%4.54%+276 bps
Loan Growth (YoY)1.36%0.78%-0.95%-3.62%-2.01%-336 bps
Deposit Growth (YoY)1.74%8.84%9.01%2.34%5.60%+386 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.07%0.07%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.86%-0.07%0.12%-0.03%-0.03%+83 bps
Allowance / Loans3.66%3.66%3.61%3.64%3.66%+1 bps
Allowance Coverage of NPLsn/a52.4x51.0xn/an/an/a
Capital
Tier 1 Leverage Ratio19.42%19.45%18.46%18.81%19.05%-37 bps
Total Risk-Based Capital19.42%19.45%18.46%18.81%19.05%-37 bps
Equity / Assets19.43%18.58%18.60%18.80%18.69%-74 bps
Liquidity & Funding
Loans / Deposits102.66%96.39%96.94%96.45%95.27%-739 bps
Liquid Assets / Assets2.63%2.96%2.94%3.08%2.83%+20 bps
CRE / Total Capitaln/a78.34%74.43%71.54%n/an/a