BlastPoint's Banking Scorecard
Solon State Bank
Micro
Specialty: Commercial
IA
FDIC cert 232
Designations: ✓ Community bank
Solon, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Solon State Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.70% above tier
- + Net Interest Margin 1.14% above tier
- + Efficiency Ratio 28.47% below tier
- + Loan-to-Deposit Ratio 25.10% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.27% above tier
- - Nonperforming Asset Ratio 5.19% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$125.7M
-2.0% YoY
+0.5% QoQ
|
-$91.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$83.1M
+4.7% YoY
+3.5% QoQ
|
-$56.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$83.4M
-9.9% YoY
-0.5% QoQ
|
-$100.2M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
2.79%
+9.8% YoY
+11.9% QoQ
|
+1.70% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.99%
+5.2% YoY
+3.9% QoQ
|
+1.14% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
39.26%
-7.6% YoY
-3.0% QoQ
|
-28.47% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
4.91%
-49.4% YoY
-12.3% QoQ
|
+4.27% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
99.63%
+16.2% YoY
+4.1% QoQ
|
+25.10% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.66%
-3.1% YoY
-13.5% QoQ
|
+4.27% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
5.64%
-32.5% YoY
-6.0% QoQ
|
+5.19% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.54%
+20.2% YoY
+58.0% QoQ
|
-0.03% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.79%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
4.99%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
39.26%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
99.63%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.91%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.64%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Efficiency Ratio
Current: 39.26% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.79% · Tier avg: 1.08%
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.63% · Tier avg: 74.53%
90
90th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.85%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.66% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Total Loans
Current: $83.1M · Tier avg: $139.2M
30
30th pctile
Total Assets
Current: $125.7M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $83.4M · Tier avg: $183.7M
0
0th pctile
Delinquency Rate
Current: 4.91% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.64% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.64% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.91% · Tier avg: 0.64%
23
23th pctile
Total Deposits
Current: $83.4M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $125.7M · Tier avg: $217.5M
36
36th pctile
Total Loans
Current: $83.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.66% · Tier avg: 22.39%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
90
90th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.85%
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.63% · Tier avg: 74.53%
98
98th pctile
Return on Assets
Current: 2.79% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 39.26% · Tier avg: 67.73%