PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

3.59%Q1 ’264.17%Q2 ’26-1%

Non-interest income vs. expense

8.36%Q1 ’267.09%Q2 ’26-16%

Executive Summary

  • Earnings: ROA of -4.80%; NIM at 2.85%.
  • 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 (quarter, annualized)

-4.80%

Net Interest Margin (quarter, annualized)

2.85%

Efficiency Ratio (quarter, annualized)

235%

Tier 1 Leverage Ratio

56.70%

Discrete quarter, annualized.

MetricQ4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-9.46%-6.02%-4.80%n/a
Return on Equity-10.81%-7.89%-8.21%n/a
Net Interest Margin2.12%2.89%2.85%n/a
Efficiency Ratio563%281%235%n/a
Non-Interest Burdenn/a8.25%6.92%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 / Loansn/a0.00%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