Solomon, KS · Cert 4773 · Solomon Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.71% | 2.03% | 1.69% | 1.71% | 1.54% | 1.89% | 1.59% | 1.97% | +26 bps | |
| Return on Equity | 8.74% | 10.35% | 8.75% | 8.87% | 8.12% | 10.14% | 8.51% | 10.49% | +162 bps | |
| Net Interest Margin | 3.94% | 4.02% | 3.99% | 3.93% | 4.05% | 3.91% | 4.01% | 4.19% | +26 bps | |
| Efficiency Ratio | 45.58% | 36.76% | 46.78% | 44.79% | 51.19% | 39.57% | 50.19% | 40.53% | -426 bps | |
| Non-Interest Burden | 1.77% | 1.44% | 1.83% | 1.73% | 2.05% | 1.51% | 1.99% | 1.65% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.52% | 0.78% | 2.30% | 1.79% | 7.24% | 5.42% | 1.96% | 4.54% | +276 bps | |
| Loan Growth (YoY) | -0.66% | 1.21% | 5.29% | 1.36% | 0.78% | -0.95% | -3.62% | -2.01% | -336 bps | |
| Deposit Growth (YoY) | -0.51% | -2.04% | 2.55% | 1.74% | 8.84% | 9.01% | 2.34% | 5.60% | +386 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.02% | 0.06% | 0.00% | 0.07% | 0.07% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.21% | 0.59% | 0.02% | -0.86% | -0.07% | 0.12% | -0.03% | -0.03% | +83 bps | |
| Allowance / Loans | 3.61% | 3.45% | 3.37% | 3.66% | 3.66% | 3.61% | 3.64% | 3.66% | +1 bps | |
| Allowance Coverage of NPLs | 641.1x | 153.7x | 55.8x | n/a | 52.4x | 51.0x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.73% | 19.57% | 19.49% | 19.42% | 19.45% | 18.46% | 18.81% | 19.05% | -37 bps | |
| Total Risk-Based Capital | 19.73% | 19.57% | 19.49% | 19.42% | 19.45% | 18.46% | 18.81% | 19.05% | -37 bps | |
| Equity / Assets | 19.75% | 19.52% | 19.12% | 19.43% | 18.58% | 18.60% | 18.80% | 18.69% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.11% | 106.68% | 102.41% | 102.66% | 96.39% | 96.94% | 96.45% | 95.27% | -739 bps | |
| Liquid Assets / Assets | 3.23% | 2.98% | 2.88% | 2.63% | 2.96% | 2.94% | 3.08% | 2.83% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 78.34% | 74.43% | 71.54% | n/a | n/a | |