BlastPoint's Banking Scorecard
Solon State Bank
Solon, IA
3 branches across IA
Solon State Bank has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 32.6% in tier
- + Profitability Leader: Top 38.9% in tier
- + Efficiency Ratio 25.67% below tier average
- + Net Interest Margin 0.87% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9.6% in tier
- - Liquidity Strain: Bottom 35.5% in tier
- - Delinquency Rate 6.21% above tier average
- - Nonperforming Asset Ratio 6.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$126.7M
-1.2% YoY
+0.8% QoQ
|
-$259.4M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 8.0% in tier |
| Total Loans ? |
$85.4M
+6.0% YoY
+2.7% QoQ
|
-$170.3M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.7% in tier |
| Total Deposits ? |
$90.5M
+4.6% YoY
+8.5% QoQ
|
-$237.4M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.7% in tier |
| Return on Assets ? |
2.82%
+3.3% YoY
+1.2% QoQ
|
+1.55% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 2.8% in tier |
| Net Interest Margin ? |
4.80%
+3.6% YoY
-3.9% QoQ
|
+0.87% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Top 11.1% in tier |
| Efficiency Ratio ? |
39.62%
-5.1% YoY
+0.9% QoQ
|
-25.67% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 3.8% in tier |
| Delinquency Rate ? |
7.10%
-36.4% YoY
+44.6% QoQ
|
+6.21% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.8% in tier |
| Loan-to-Deposit Ratio ? |
94.34%
+1.3% YoY
-5.3% QoQ
|
+17.70% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
25.71%
-4.0% YoY
-3.6% QoQ
|
+3.69% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
69% |
| Nonperforming Asset Ratio ? |
7.12%
-23.9% YoY
+26.2% QoQ
|
+6.48% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.3% in tier |
| Tier 1 Capital Ratio ? |
24.31%
+6.4% YoY
+0.2% QoQ
|
+8.48% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Top 7.2% in tier |
| Non-Interest Income / Assets ? |
0.16%
+56.8% YoY
-69.7% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
78% |
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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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.