FDIC Cert #16971 · Stockton, Kansas · Est. 1951

SOLUTIONS NORTH BANK - FDIC Bank Health Profile

A community-scale look at SOLUTIONS NORTH BANK's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$472M
Total assets
A
Health grade · Excellent
1.07%
Return on assets
13.2%
Tier 1 capital

Data updated July 2026

The verdict

SOLUTIONS NORTH BANK earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.17% Tier 1, profitable at 1.07% ROA, efficient (55% cost ratio).

#1,872
largest of 4,313 FDIC banks by assets
57th
percentile by asset size, nationally
13.17%
Tier 1 ratio - above the 10% well-capitalized line
48th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 16971 · KS A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1248/4307
  • PHOTO-FINISH Bank of Colorado · CO
  • TIER1-WELL 13.2% Tier 1
  • TEXAS-CLEAN 1.9% Texas
  • ROA-PAR 1.07% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Bank of Colorado, CO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around SOLUTIONS NORTH BANK

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Colorado · CO · near87/100Citizens Deposit Ban… · KY ·…87/100Columbia Bank · OR · near87/100SOLUTIONS NORTH BANK · KS · …87/100United Community Bank · SC ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around SOLUTIONS NORTH BANK · July 2026

Call Report read for SOLUTIONS NORTH BANK in a high-failure state

SOLUTIONS NORTH BANK (FDIC Cert #16971) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,248 of 4,307. Tier 1 capital prints at 13.17%, clearing the 10% well-capitalized line. The Texas Ratio is 1.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.07%. Balance-sheet scale is $472M, 1,872nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Colorado (CO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around SOLUTIONS NORTH BANK

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

SOLUTIONS NORTH BANK sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about SOLUTIONS NORTH BANK's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

How SOLUTIONS NORTH BANK's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
SOLUTIONS NORTH BANK's composite health score
Tier 1 Capital Ratio (13.17%) 35/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (1.88%) 20/20
Efficiency Ratio (54.63%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$472M

Total balance-sheet footings

Total Deposits

$388M

Customer-funded liabilities

Net Loans

$292M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.77% 13.17% 14.57%
Basel III capital ratios - SOLUTIONS NORTH BANK

Where SOLUTIONS NORTH BANK ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. SOLUTIONS NORTH BANK's score of 87/100 falls in the highlighted band.

SOLUTIONS NORTH BANK: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 29% higher than 71% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. SOLUTIONS NORTH BANK 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

SOLUTIONS NORTH 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). SOLUTIONS NORTH BANK's $472M falls in the highlighted band.

Capital & credit buffers at SOLUTIONS NORTH BANK

Tier 1 capital ratio
Well-capitalized 10%

13.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.17%
Texas Ratio
1.88%
Equity Capital
$57M

What these ratios mean →

Earnings posture at SOLUTIONS NORTH BANK

Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
9.31%
Efficiency Ratio
54.63%

What these mean →

Income & expense at SOLUTIONS NORTH BANK

$26M
Interest Income
$1M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. SOLUTIONS NORTH BANK reports a Texas Ratio of 1.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View SOLUTIONS NORTH BANK on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($472M here), outside Kansas so the neighborhood is not state containment.

Oak Bank $472M · WI Rolling Hills Bank & Trust $472M · IA Citizens National Bank of Cheboygan $471M · MI Raccoon Valley Bank $473M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) SOLUTIONS NORTH BANK (FDIC Cert #16971) - 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.

SOLUTIONS NORTH BANK Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Capitol Federal Savings BankTopeka $9.8B C 0.76%
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%