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Solutions Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 11741

Forreston, IL

6 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Solutions Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 0.54% below tier average
  • + Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 23.0% in tier
  • - ROA 0.26% below tier average
  • - Net Interest Margin 0.85% below tier average
Get updates when Solutions Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $485.6M
-1.4% YoY +0.3% QoQ
+$99.5M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
71%
Total Loans ? $238.8M
-4.9% YoY -3.2% QoQ
-$16.9M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
57%
Total Deposits ? $379.0M
-5.5% YoY +0.7% QoQ
+$51.1M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
67%
Return on Assets ? 1.01%
+17.0% YoY +26.1% QoQ
-0.26% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
38%
Net Interest Margin ? 3.08%
+10.8% YoY +1.6% QoQ
-0.85% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
Bottom 13.8% in tier
Efficiency Ratio ? 64.74%
-6.8% YoY -11.1% QoQ
-0.54% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
45%
Delinquency Rate ? 0.45%
-75.3% YoY +2.4% QoQ
-0.44% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
48%
Loan-to-Deposit Ratio ? 63.01%
+0.6% YoY -3.9% QoQ
-13.63% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
78%
Non-Interest-Bearing Deposit Share ? 16.93%
+16.4% YoY +7.7% QoQ
-5.09% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
32%
Nonperforming Asset Ratio ? 0.22%
-76.2% YoY -1.3% QoQ
-0.42% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
57%
Tier 1 Capital Ratio ? 13.49%
+9.7% YoY +4.5% QoQ
-2.34% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
52%
Non-Interest Income / Assets ? 0.07%
+10.3% YoY -76.0% QoQ
-0.21% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
33%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#119 of 512 • Bottom 23.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.01%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

599
Loan-to-Deposit Ratio
liquidity
Value: 63.01%
Peer Median: 76.64%
#599 of 2664 Top 22.4% in $100M-$1B

Top Weaknesses (1 metrics)

2298
Net Interest Margin
profitability
Value: 3.08%
Peer Median: 3.93%
#2298 of 2664 Bottom 13.8% in $100M-$1B
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