| Metric | The Solomon State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.2 pts |
| Deposit growth (YoY) | +5.6% | +4.0% | +1.6 pts |
| Loan growth (YoY) | -2.0% | +5.6% | -7.6 pts |
| ROA | 2.25% | 1.24% | +1.0 pts |
| ROE | 12.1% | 11.9% | +0.2 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.6M | $146.8M | $134.8M | $34.1M | $2.0M | 2.25% | 4.17% | 0.03% |
| Q1 2026 | $181.5M | $145.7M | $135.5M | $34.1M | $961K | 2.12% | 4.11% | 0.07% |
| Q4 2025 | $181.8M | $145.8M | $136.2M | $33.8M | $3.7M | 2.06% | 4.04% | 0.11% |
| Q3 2025 | $184.7M | $148.6M | $138.0M | $34.3M | $2.6M | 1.98% | 4.03% | 0.11% |
| Q2 2025 | $174.7M | $139.0M | $137.5M | $33.9M | $1.8M | 2.05% | 4.05% | 0.06% |
| Q1 2025 | $178.0M | $142.4M | $140.9M | $34.0M | $873K | 1.99% | 4.07% | 0.11% |
| Q4 2024 | $172.5M | $133.7M | $137.7M | $33.7M | $3.6M | 2.12% | 4.01% | 0.05% |
| Q3 2024 | $172.3M | $136.5M | $137.0M | $34.0M | $2.6M | 2.00% | 3.98% | 0.03% |
Loan mix (Q2 2026): real estate $126.0M · commercial $5.8M · consumer $4.4M · securities $33.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Solomon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.25% | 1.24% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 11.9% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.3% | 62.9% | 9th |
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 | The Solomon 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 | The Solomon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Solomon 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 | The Solomon 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 | The Solomon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2025) · $146.8M branch deposits. Biggest market: Dickinson, KS, ranked 3rd with 14.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dickinson, KS | 2 | $85.9M | 13.97% | 3rd |
| Saline, KS | 1 | $60.9M | 2.58% | 10th |
Kansas: 146th with 0.12% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).