Solutions Plus Bank: how it compares with its peers
Against 438 U.S. banks with half to twice its assets, Solutions Plus Bank's strongest measure in Q2 2026 is net interest margin (4.02% vs. a 3.86% peer median). Its weakest relative measure is return on assets (-5.30% vs. 1.02%).
| Measure | Solutions Plus Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -5.30% | 1.02% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 3.86% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 255.37% | 70.81% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.1M | $5.9M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 39.47% | 63.96% | Context |
What it means for lending operations
Its efficiency ratio of 255.37% is above the 70.81% 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
- Carrollton Federal Bank Carrollton, KY · $44M
- Union State Bank Olsburg, KS · $44M
- Washita State Bank Burns Flat, OK · $44M
- Welcome State Bank Welcome, MN · $44M
- Kindred State Bank Kindred, ND · $43M
- Cornerstone Community Bank Owensboro, KY · $44M
Questions about Solutions Plus Bank
How big is Solutions Plus Bank?
Solutions Plus Bank, established in 2025, is headquartered in Albertville, AL. It reported $44M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Solutions Plus Bank's return on assets?
-5.30% annualized in Q2 2026, against a 1.02% median for 438 U.S. banks with half to twice its assets, ahead of 2% of them.
What is Solutions Plus Bank's efficiency ratio?
255.37% in Q2 2026: it spent about 255 cents in noninterest expense for each dollar of revenue. The peer median is 70.81%, and lower is better.
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 U.S. 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 Alabama bank ranked.