BlastPoint's Banking Scorecard
Solutions Bank
Forreston, IL
5 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits +2.7% year over year ($385.2M on the books).
- Delinquency rate 0.50%.
- Return on assets 0.98%.
- Efficiency ratio 67.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.50% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Solutions Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Net Interest Margin 0.89% below tier average
- - Efficiency Ratio 3.15% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$491.6M
+5.0% YoY
+1.2% QoQ
|
+$105.0M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$244.6M
-0.7% YoY
+2.4% QoQ
|
-$13.7M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
58% |
| Total Deposits ? |
$385.2M
+2.7% YoY
+1.6% QoQ
|
+$58.5M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
0.98%
+24.9% YoY
-3.6% QoQ
|
-0.35% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
3.10%
+7.5% YoY
+0.4% QoQ
|
-0.89% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.6% in tier |
| Efficiency Ratio ? |
67.62%
-7.9% YoY
+4.5% QoQ
|
+3.15% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
0.50%
-73.1% YoY
+10.9% QoQ
|
-0.42% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
63.50%
-3.3% YoY
+0.8% QoQ
|
-14.45% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
16.45%
+15.3% YoY
-2.9% QoQ
|
-5.58% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.25%
-74.6% YoY
+12.2% QoQ
|
-0.42% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
13.36%
+6.2% YoY
-1.0% QoQ
|
-2.55% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
+20.6% YoY
+136.8% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
41% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.5%
+2.2pp YoY -0.5pp QoQ |
-5.7pp | 22.1% | 20.1% | 22.2% | 29% |
| Brokered Deposits |
1.3%
0.0pp YoY 0.0pp QoQ |
-6.6pp | 7.9% | 8.0% | 8.5% | 22% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.5%
+0.4pp YoY +0.7pp QoQ |
-3.1pp | 11.6% | 14.7% | 12.5% | 44% |
| CRE |
32.1%
-2.9pp YoY -1.9pp QoQ |
-7.4pp | 39.5% | 37.9% | 41.4% | 38% |
| 1-4 Family |
11.5%
+0.2pp YoY +0.6pp QoQ |
-21.1pp | 32.6% | 28.3% | 31.3% | 13% |
| Consumer |
0.2%
-0.1pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 5.4% | 5.0% | 9% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.4%
+0.8pp YoY -0.1pp QoQ |
-5.5pp | 18.8% | 19.9% | 19.7% | 32% |
| Leverage Ratio |
8.8%
+0.1pp YoY +0.1pp QoQ |
-3.3pp | 12.2% | 12.2% | 12.6% | 10% |
| Total Capital Ratio |
14.1%
+0.8pp YoY -0.1pp QoQ |
-5.9pp | 19.9% | 20.9% | 20.8% | 27% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
63
0 YoY 0 QoQ |
+4 | 58 | 228 | 482 | 66% |
| Assets per Employee ($) |
$7.8M
+5.0% YoY +1.2% QoQ |
+$285K | $7.5M | $8.3M | $8.8M | 65% |
| Branch Count |
5
-1 (-16.7%) YoY -1 (-16.7%) QoQ |
0 | 4 | 10 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.2% | -0.1pp | 0.3% | 0.4% | 0.4% | 63% |
| Nonaccrual |
0.3%
-1.5pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 1.1% | 1.0% | 40% |
| Allowance Coverage |
1.81x
+263.4% YoY -11.8% QoQ |
-22.34x | 24.15x | 5.62x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 21% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.9%
-0.3pp YoY -0.6pp QoQ |
+4.8pp | 12.2% | 10.5% | 11.6% | 77% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 60% |
| Net Income ($, YTD) |
$2.4M
+25.6% YoY — QoQ |
-$177K | $2.6M | $11.7M | $40.4M | 59% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.