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Solon State Bank

$100M-$1B Specialty: Commercial IA FDIC cert 232

Solon, IA

3 branches across IA

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 167 in IA.
  • Deposits +5.8% year over year ($90.3M on the books).
  • Delinquency rate 11.96%.
  • Return on assets 0.05%.
  • Efficiency ratio 39.60% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.80% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Solon State Bank has 2 strengths but faces 5 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 24.88% below tier average
  • + Net Interest Margin 0.77% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 13.3% in tier
  • - Liquidity Strain: Bottom 41.1% in tier
  • - Return on Assets 1.27% below tier average
  • - Delinquency Rate 11.04% above tier average
  • - Nonperforming Asset Ratio 10.02% above tier average
Get updates when Solon State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $122.5M
-1.9% YoY -3.4% QoQ
-$264.1M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 6.2% in tier
Total Loans ? $84.7M
+7.5% YoY -0.8% QoQ
-$173.6M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 12.4% in tier
Total Deposits ? $90.3M
+5.8% YoY -0.2% QoQ
-$236.4M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Bottom 2.5% in tier
Return on Assets ? 0.05%
-97.9% YoY -98.2% QoQ
-1.27% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Bottom 3.7% in tier
Net Interest Margin ? 4.76%
+0.6% YoY -0.9% QoQ
+0.77% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Top 12.6% in tier
Efficiency Ratio ? 39.60%
-2.1% YoY -0.0% QoQ
-24.88% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Top 3.7% in tier
Delinquency Rate ? 11.96%
+90.2% YoY +68.4% QoQ
+11.04% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Bottom 0.2% in tier
Loan-to-Deposit Ratio ? 93.80%
+1.6% YoY -0.6% QoQ
+15.85% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 26.77%
-12.3% YoY +4.1% QoQ
+4.74% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
72%
Nonperforming Asset Ratio ? 10.69%
+67.7% YoY +50.1% QoQ
+10.02% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Bottom 0.2% in tier
Tier 1 Capital Ratio ? 23.00%
+0.4% YoY -5.4% QoQ
+7.09% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Top 9.0% in tier
Non-Interest Income / Assets ? 0.26%
+20.1% YoY +62.7% QoQ
-0.30% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
66%

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 26.8%
-3.8pp YoY
+1.1pp QoQ
 +4.6pp 22.1% 17.8% 22.2% 72%
Brokered Deposits 7.8%
+3.7pp YoY
0.0pp QoQ
 -0.1pp 7.9% 6.0% 8.5% 67%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 32.8%
+4.1pp YoY
+0.7pp QoQ
 +21.3pp 11.6% 12.8% 12.5% 97%
CRE 46.0%
-2.2pp YoY
+0.9pp QoQ
 +6.5pp 39.5% 28.3% 41.4% 64%
1-4 Family 15.6%
-0.7pp YoY
+0.1pp QoQ
 -17.0pp 32.6% 23.0% 31.3% 20%
Consumer 1.9%
-0.6pp YoY
-0.1pp QoQ
 -2.3pp 4.1% 2.9% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 23.0%
+0.1pp YoY
-1.3pp QoQ
 +10.8pp 12.2% 12.4% 12.6% 97%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 15
0 YoY
0 QoQ
 -44 58 64 482 4%
Assets per Employee ($) $8.2M
-1.9% YoY
-3.4% QoQ
 +$647K $7.5M $8.9M $8.8M 70%
Branch Count 3
0 YoY
0 QoQ
 -2 4 5 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-1.6pp YoY
-2.7pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 8%
Nonaccrual 12.0%
+7.3pp YoY
+7.6pp QoQ
 +11.0pp 0.9% 1.0% 1.0% 100%
Allowance Coverage 0.19x
+32.3% YoY
+79.4% QoQ
 -23.96x 24.15x 18.97x 20.23x 1%
Net Charge-off Rate (YTD) 0.9%
+0.9pp YoY
 +0.8pp 0.1% 0.1% 0.2% 97%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 0.2%
-11.3pp YoY
-11.9pp QoQ
 -12.0pp 12.2% 12.8% 11.6% 3%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 42%
Net Income ($, YTD) $31,000
-98.0% YoY
— QoQ
 -$2.5M $2.6M $4.0M $40.4M 4%

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 (2)

Liquidity Overhang

risk
#100 of 742 • Bottom 13.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.00%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 93.80%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#285 of 691 • Bottom 41.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.80%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

98
Efficiency Ratio
profitability
Value: 39.60%
Peer Median: 64.48%
#98 of 2643 Top 3.7% in $100M-$1B
238
Tier 1 Capital Ratio
capital
Value: 23.00%
Peer Median: 15.91%
#238 of 2643 Top 9.0% in $100M-$1B
335
Net Interest Margin
profitability
Value: 4.76%
Peer Median: 3.99%
#335 of 2643 Top 12.6% in $100M-$1B

Top Weaknesses (7 metrics)

2640
Nonperforming Asset Ratio
credit_quality
Value: 10.69%
Peer Median: 0.67%
#2640 of 2643 Bottom 0.2% in $100M-$1B
2628
Delinquency Rate
credit_quality
Value: 11.96%
Peer Median: 0.92%
#2628 of 2633 Bottom 0.2% in $100M-$1B
2577
Total Deposits
size
Value: $90.31M
Peer Median: $326.73M
#2577 of 2643 Bottom 2.5% in $100M-$1B
2546
Return on Assets
profitability
Value: 0.05%
Peer Median: 1.32%
#2546 of 2643 Bottom 3.7% in $100M-$1B
2479
Total Assets
size
Value: $122.48M
Peer Median: $386.57M
#2479 of 2643 Bottom 6.2% in $100M-$1B
2315
Total Loans
size
Value: $84.72M
Peer Median: $258.35M
#2315 of 2643 Bottom 12.4% in $100M-$1B
2157
Loan-to-Deposit Ratio
liquidity
Value: 93.80%
Peer Median: 77.95%
#2157 of 2643 Bottom 18.4% in $100M-$1B
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