Solutions Bank: how it compares with its peers
Against 116 IL banks with half to twice its assets, Solutions Bank's strongest measure in Q2 2026 is assets per employee ($7.8M vs. a $7.2M peer median). Its weakest relative measure is net interest margin (3.10% vs. 3.67%).
| Measure | Solutions Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 1.17% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.10% | 3.67% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.62% | 62.45% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $7.2M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.50% | 77.89% | Context |
What it means for lending operations
Its efficiency ratio of 67.62% is above the 62.45% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Casey State Bank Casey, IL · $497M
- American Eagle Bank South Elgin, IL · $485M
- The FNB Community Bank Vandalia, IL · $499M
- Sterling Federal Bank, F.S.B. Sterling, IL · $482M
- Petefish, Skiles & Co. Virginia, IL · $502M
- Hoyne Savings Bank Chicago, IL · $480M
Questions about Solutions Bank
How big is Solutions Bank?
Solutions Bank, established in 1887, is headquartered in Forreston, IL. It reported $492M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Solutions Bank's return on assets?
0.98% annualized in Q2 2026, against a 1.17% median for 116 IL banks with half to twice its assets, ahead of 34% of them.
What is Solutions Bank's efficiency ratio?
67.62% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 62.45%, and lower is better.
Is Solutions Bank growing its loans?
Net loans shrank 0.7% over the year to Q2 2026, while deposits grew 2.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.