| Metric | Solon State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +4.4% | -6.3 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +7.5% | +5.6% | +2.0 pts |
| ROA | 0.05% | 1.24% | -1.2 pts |
| ROE | 0.2% | 11.9% | -11.6 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.5M | $90.3M | $84.7M | $27.9M | $31K | 0.05% | 4.76% | 10.69% |
| Q1 2026 | $126.7M | $90.5M | $85.4M | $29.6M | $890K | 2.82% | 4.80% | 7.12% |
| Q4 2025 | $125.7M | $83.4M | $83.1M | $28.9M | $3.5M | 2.79% | 4.99% | 5.64% |
| Q3 2025 | $125.0M | $83.9M | $80.3M | $28.0M | $2.4M | 2.49% | 4.81% | 6.00% |
| Q2 2025 | $124.9M | $85.4M | $78.8M | $27.2M | $1.5M | 2.42% | 4.73% | 6.37% |
| Q1 2025 | $128.3M | $86.5M | $80.6M | $27.1M | $876K | 2.73% | 4.63% | 9.36% |
| Q4 2024 | $128.3M | $92.6M | $79.4M | $26.0M | $3.2M | 2.54% | 4.75% | 8.35% |
| Q3 2024 | $125.5M | $90.4M | $73.9M | $25.8M | $2.1M | 2.21% | 4.41% | 6.82% |
Loan mix (Q2 2026): real estate $53.5M · commercial $27.8M · consumer $1.6M · securities $30.6M
| Ratio | Solon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.6% | 62.9% | 3th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Solon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Solon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Solon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Solon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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