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Solutions Plus Bank

Albertville, AL · Cert 59362

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

92

Q4 2025Q2 2026peer median (50)

Asset Quality

100

Q4 2025Q2 2026peer median (50)

Profitability

6

Q4 2025Q2 2026peer median (50)

Liquidity

0

Q4 2025Q2 2026peer median

Efficiency

1

Q4 2025Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Solutions Plus Bank

Albertville, AL · Cert 59362

State charter, non-member · FDIC · 2 branches

Q2 2026

$43.9MAssets
$8.4MLoans
$21.1MDeposits
$22.6MEquity
Loan mix
45%RE $1.2M49%C&I $1.3M6%Consumer $0.2MQ4 2025Q2 2026
Deposit mix
91%Interest-bearing $19.2M9%Noninterest $1.9MQ4 2025Q2 2026

NIM

2.13%Q4 ’253.59%Q1 ’263.49%Q2 ’26+36%-11%

Non-interest income vs. expense

11.95%Q4 ’258.36%Q1 ’266.82%Q2 ’26-31%-19%

Executive Summary

  • Earnings: ROA of -5.30%; NIM at 2.56%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 56.70%.
  • Funding: loans stand at 39.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-5.30%

Net Interest Margin (YTD, annualized)

2.56%

Efficiency Ratio (YTD, annualized)

255%

Tier 1 Leverage Ratio

56.70%

Year to date, annualized, through each quarter.

MetricQ4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-9.46%-6.02%-5.30%n/a
Return on Equity-10.81%-7.89%-8.05%n/a
Net Interest Margin2.12%2.89%2.56%n/a
Efficiency Ratio563%281%255%n/a
Non-Interest Burden11.95%8.25%6.70%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%n/a
Net Charge-Offs / Loans0.00%0.00%0.00%n/a
Allowance / Loans1.36%1.36%1.25%n/a
Allowance Coverage of NPLsn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio91.05%73.78%56.70%n/a
Total Risk-Based Capital91.05%232%56.70%n/a
Equity / Assets87.52%67.46%51.43%n/a
Liquidity & Funding
Loans / Deposits7.13%28.37%39.97%n/a
Liquid Assets / Assets0.00%79.39%68.43%n/a
CRE / Total Capital0.00%0.10%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Solutions Plus Bank

Albertville, AL · Cert 59362 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 2 branches

Q2 2026

$43.9MAssets
$8.4MLoans
$21.1MDeposits
$22.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: efficiency ratio trails 99% of banks under $1B in assets (rank 622 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-4.23%

Rank 618 of 629

Net Interest Margin

2.56%

Rank 560 of 629

Efficiency Ratio

255%

Rank 622 of 629

Equity / Assets

51.43%

Rank 46 of 629

Non-interest income vs. expense

$0.1M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 1% of banks under $1B in assets
Bank 255%Peer median 67.8%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-4.23%0.60%1.01%1.45%Beats 2%618 / 629
Return on Equity-8.22%5.38%9.30%13.28%Beats 4%605 / 629
Net Interest Margin2.56%3.03%3.54%4.05%Beats 11%560 / 629
Efficiency Ratio255%58.35%67.79%79.08%Beats 1%622 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio56.70%11.24%13.84%18.77%Beats 92%53 / 629
Total Risk-Based Capital Ratio56.70%11.58%14.43%19.66%Beats 92%53 / 629
Equity / Assets51.43%9.09%10.65%13.80%Beats 93%46 / 629
Liquidity & Funding
Loans / Deposits39.97%67.24%80.90%93.48%6th pctl558 / 594
Loans / Assets19.20%53.31%67.71%78.15%9th pctl575 / 629
Brokered Deposits / Depositsn/aNot reported for this institution