Total Assets
$126M
Total balance-sheet footings
FDIC Cert #232 · Solon, Iowa · Est. 1932
Solon State Bank - FDIC Bank Health Profile
A community-scale look at Solon State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $126M
- Total assets
- A
- Health grade · Excellent
- 2.79%
- Return on assets
- 24.3%
- Tier 1 capital
Data updated July 2026
The verdict
Solon State Bank earns a PlainBankData health grade of A (96/100), with well-capitalized at 24.27% Tier 1, profitable at 2.79% ROA, efficient (39% cost ratio).
- #3,541
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 24.27%
- Tier 1 ratio - above the 10% well-capitalized line
- 97th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Solon State Bank's 96/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Solon State Bank's composite health score
Tier 1 Capital Ratio (24.27%) 40/40
Return on Assets (ROA) (2.79%) 25/25
Texas Ratio (13.83%) 16/20
Efficiency Ratio (39.26%) 15/15
96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$83M
Customer-funded liabilities
Net Loans
$83M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Solon State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Solon State Bank's score of 96/100 falls in the highlighted band.
Solon State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Solon State Bank's $126M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
24.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
24.27%
Texas Ratio
13.83%
Equity Capital
$29M
Profitability metrics
Return on Assets (ROA)
97th percentile nationally
2.79%
Return on Equity (ROE)
12.84%
Efficiency Ratio
39.26%
What the numbers say about Solon State Bank
Solon State Bank is an FDIC-insured institution (Certificate #232) headquartered in Solon, Iowa, established in 1932. It holds $126M in total assets - 3,541st of 4,313 FDIC-insured banks, $83M in customer deposits, and $83M in net loans. Looking at capital strength, Tier 1 stands at 24.27%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 13.83%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (96/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Solon State Bank ranks 182nd of 230 banks based in Iowa -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$8M
Interest Income
$675K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Solon State Bank reports a Texas Ratio of 13.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Solon State Bank (FDIC Cert #232) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is Solon State Bank's health grade?▼
Solon State Bank receives a health grade of A (96/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Solon State Bank?▼
Solon State Bank holds $126M in total assets and $83M in deposits, ranking 3,541st of 4,313 FDIC-insured banks by asset size. It is headquartered in Solon, Iowa.
Is my money safe at Solon State Bank?▼
Yes, deposits at Solon State Bank (Certificate #232) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Solon State Bank's Tier 1 Capital Ratio?▼
Solon State Bank has a Tier 1 Capital Ratio of 24.27%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Solon State Bank?▼
Solon State Bank has a Texas Ratio of 13.83%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Solon State Bank?▼
Solon State Bank has an Efficiency Ratio of 39.26%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Solon State Bank's profile as a depositor or analyst.
- Solon State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Solon State Bank against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.