# SOLUTIONS BANK
FORRESTON, IL · FDIC certificate 11741 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $491.6M | |
| Deposits | $385.3M | |
| Loans and leases | $246.8M | |
| Total equity | $28.1M | |
| Loans / deposits | 63.50% (p16 of band) | 82.04% |
| Liquid assets / assets | 43.66% (p87 of band) | |
| Uninsured deposits / deposits | 20.45% (p30 of band) | 25.97% |
| Brokered deposits | 1.02% | |
| Wholesale funding | 16.70% (p89 of band) | |
| FHLB advances / assets | 15.68% | |
| Tier 1 leverage | 8.83% (p10 of band) | 10.81% |
| Unrealized securities loss / equity | -91.80% (p1 of band) | -8.10% |
| AOCI / equity | -2.94% (p3 of band) | |
| ROA (annualized) | 0.98% (p31 of band) | 1.28% |
| Net interest margin | 3.10% (p12 of band) | 3.91% |
| Efficiency ratio | 67.62% (p68 of band) | |
| Noncurrent loans | 0.49% (p54 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 181.23% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 1.35% (p5 of band) | |
| Auto loans | $169,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $3.6M (13% of equity) (p97 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 63 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 |  | reserve under noncurrent, assets shrinking |
| 2012-09 | 3 | capital falling, reserve under noncurrent | deposits shrinking |
| 2012-12 | 4 | deposits shrinking |  |
| 2013-03 | 2 |  | uninsured deposits leaving, deposits shrinking |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | deposits shrinking |  |
| 2013-12 | 2 | loans exceed deposits | deposits shrinking |
| 2014-03 | 2 | capital falling | loans exceed deposits |
| 2014-06 | 0 |  | reserve under noncurrent, capital falling |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | charge-offs p90 |  |
| 2016-03 | 1 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 1 | wholesale funding >15% | uninsured deposits leaving |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling, uninsured deposits leaving | wholesale funding >15% |
| 2017-09 | 1 | wholesale funding >15% | capital falling, uninsured deposits leaving |
| 2017-12 | 2 | uninsured deposits leaving |  |
| 2018-03 | 2 | capital falling | uninsured deposits leaving |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | uninsured deposits leaving |  |
| 2020-09 | 1 |  | uninsured deposits leaving |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | wholesale funding >15% |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | assets shrinking |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | assets shrinking |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | wholesale funding >15% |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling, wholesale funding >15% |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 3 | wholesale funding >15%, capital falling | AOCI drag >20% of equity |
| 2024-03 | 6 | NIM <2.5%, reserve under noncurrent, deposits shrinking |  |
| 2024-06 | 7 | uninsured deposits leaving |  |
| 2024-09 | 7 |  |  |
| 2024-12 | 5 |  | capital falling, deposits shrinking |
| 2025-03 | 4 | assets shrinking | wholesale funding >15%, NIM <2.5% |
| 2025-06 | 5 | wholesale funding >15%, deposits shrinking | uninsured deposits leaving |
| 2025-09 | 3 |  | reserve under noncurrent, deposits shrinking |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 3 | deposits shrinking |  |
| 2026-06 | 2 |  | deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-05-12 [Who’s on the hook for money the FDIC paid uninsured depositors? - marketplace.org](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPV085dDYtaGJPTmdna0l1c01FdEkwTWlzWi15LUhrd3RPd2p1a3lZZ0FjUFBvQmlxNklSTy1La2FEV3RZOVRGdTRHeFZJYXFpNGJrQ1BDX0R0SGFBMll4dFdLamUtMmg2VXJIX1hWWERodkg3N2RQdnpsRTJsb0dieTlBak1TUjVrRmJGWlFHZjJCa2dQUlJwTlNGUExfcElvMnZIekpwTXNZdw?oc=5) · marketplace.org
- 2025-04-10 [BofA Launches ‘Golf with Us’ to Bring Affordable Rounds to More Than 50,000 Youth Nationwide - Bank of America](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPQ0pqeWFnbXdlaUhYVFRSNmZXYVpUbTFqRFUyUnR0eWRsQXJsTXJDenRmemt5dGpwcmFhMVBHdjNYcXg5b09IUWpFS3hIRXYzSWVUYVFER2h6UVlSaU1WQnI0VExkNTA2ekFzcDlIUi04Zndma0RCT05UV0Z3ZmZRR1RuMW9ldTQ0akhyRHloT0djNDc2bzVhSmRPTlZqQW5CemNPMFR2NFVUX1NwWndPdVFBZ2NsRHNuU25IbHlpckZPX19xS3BKdXZjOUpmckJaNkZPZmpvOFlodlg4?oc=5) · Bank of America
- 2022-10-27 [Federal Home Loan Bank of Chicago Announces Results of 2022 Director Election - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxPYlR3eXdrZ0RCbWQ1Y3RqTDZ5R2xnUWpLT1d6aDAteTE0UlBtMUd0NUtWaFlpUmhUWm5CSFE5T29FQzEwU2J3UF8wRU5sZWNiQXZMQTlKOXBRcDFkd1dnTjNRNjBWUVVTbVFNZlRPOUtvNDg5djNCSko5LThGT2xPYUJaU055WlpTTi1hUHgyVTcyTjNsSDlYcmoxMlhFcFM0ME5EaVNCZGxrNFV3OWx6R2g5aVJhM3ZReVd3Mzh1ajVXMDhueU0yOVV0eFA4dw?oc=5) · PR Newswire
- 2025-11-07 [What we learned at Bank of America’s first Investor’s Day in 15 years - Charlotte Observer](https://news.google.com/rss/articles/CBMieEFVX3lxTE4xYkRfZzREeXVSQ1JoMGg2b2kzLUYyUUo4Qk1zT1AxSWMzSlJzYWJUVTZxRE12eC01MWVqdktMcldxd1Z3Umg4NGJ5NjQ5RFZuWjZLOFh2OTlTM016akszeGtOQjQ2bi1SbVZRU0RlVklWYTFZVFR1b9IBeEFVX3lxTE1LZDlwanhWblFEV045MThBYUt6XzV0czBiTzNQTm13OTMwWDRxRUd0eVc1NDJUSmg1TVFzclh3ajlNRFR3UzIxQUxhRHlIVnRHNEtfblBQOGQzcDVLRFd1MXVJNkRwb0REcHpDQ1pNUVJ6Sy1rTC0yMQ?oc=5) · Charlotte Observer
- 2025-09-29 [Swift to add blockchain-based ledger - Society for Worldwide Interbank Financial Telecommunication](https://news.google.com/rss/articles/CBMifEFVX3lxTFAyc3F1UGFxUHNEQmRaQ1Z2dXRKTUxOYzV3Vy05UW1oWDRiOWYtYTRhZDFhbUU0LUtDdzVnSEhTV2FWNFIzX0lkX0VKejRBMmswSGk3aDZmcHZ6S2lieUhEQzd4NzFEd1R0VU1HZEhBelN5VnVLbi1yRGRzU2M?oc=5) · Society for Worldwide Interbank Financial Telecommunication
- 2024-07-17 [First Financial Bank, one of Cincinnati’s largest, opens regional headquarters - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQT2NLTDV1cm8tUS0wbDZaOHV1RE9KUk5EVVZ6Ml95eHJMSTNJeGdxNV91MFVyR1pZV0lPWkhMR3c1MWdYMGdIS3d5UWYySEpvbmNHRWFTUnpsMk5FMWE5d1pheEN4NV9GbGxuM0QxRXdjWWNWT2VZeU1Rc09Ecnh4RUphSmc2cnA5ZVlkaC1zQ3c5eHVUTUdGcDRFMVFRSjhneFRKMlE3RUk3OHM?oc=5) · The Business Journals
- 2024-10-29 [Nancy Karine Norland Obituary - Rockford Register Star](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBZZXQ3ME9jM3BaOVVWT0RNWXl1UmV4WjFyTTNvY2FQV2N4UzNkblNWdkFBTDlfTEo4WW94UGNVQTJQcXZYR1VGSFFST0VIUkRBZW5mdDl2cGE?oc=5) · Rockford Register Star
- 2019-01-24 [Partnership Bank to be acquired by Bank First National - GMToday.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNT3FkcUJfR3RoTTBfMF91R1ltNHdURGh1bGtHbWxYNUpadnl5V2t3QXo0VHRNTTlDdzI4WFFPMTVrX2pVYVowUUU4S21kSUlZN28yQ3ZtZlB6RzFPU25iaUZ5Y3dCdUlETnZ1QnhmUVd0VWdUUFNONnVBTE5wczhrNW8wNlJQdTUwenkxTVhIUVJVQm1JeFQtT0xmZmEzOGc2OFJab3htcHBobTR0OGhnV0pUVnJjb1lyRnFDSnlucURvWnA2dURkNGRFS1N4N1p0eHVB?oc=5) · GMToday.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11741 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "11741", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide