# SOLOMON STATE BANK
SOLOMON, KS · FDIC certificate 4773 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $182.6M | |
| Deposits | $146.8M | |
| Loans and leases | $139.9M | |
| Total equity | $34.1M | |
| Loans / deposits | 91.78% (p82 of band) | 73.59% |
| Liquid assets / assets | 24.84% (p32 of band) | |
| Uninsured deposits / deposits | 13.40% (p26 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.55% (p50 of band) | |
| FHLB advances / assets | 0.55% | |
| Tier 1 leverage | 19.05% (p88 of band) | 11.76% |
| Unrealized securities loss / equity | -0.36% (p85 of band) | -6.57% |
| AOCI / equity | -0.67% (p37 of band) | |
| ROA (annualized) | 2.25% (p91 of band) | 1.17% |
| Net interest margin | 4.17% (p63 of band) | 3.93% |
| Efficiency ratio | 45.27% (p8 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 90% | |
| Construction % of loans | 14.73% (p46 of band) | |
| Auto loans | $3.2M (2.32% of loans; DQ 0.92%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | uninsured deposits leaving |  |
| 2013-09 | 1 |  | uninsured deposits leaving |
| 2013-12 | 0 |  | loans exceed deposits |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | loans exceed deposits |  |
| 2014-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 5 | wholesale funding >15%, charge-offs p90 | assets shrinking |
| 2015-06 | 3 |  | deposits shrinking, wholesale funding >15% |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 1 |  | uninsured deposits leaving |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2017-06 | 1 |  | uninsured deposits leaving |
| 2017-09 | 4 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2017-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 4 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 0 |  | loans exceed deposits, charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 1 | charge-offs p90 |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | charge-offs p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2022-09 | 3 | uninsured deposits leaving |  |
| 2022-12 | 2 |  | uninsured deposits leaving |
| 2023-03 | 3 | uninsured deposits leaving |  |
| 2023-06 | 4 | loans exceed deposits |  |
| 2023-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 2 | deposits shrinking, uninsured deposits leaving | assets shrinking, loans exceed deposits |
| 2024-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | loans exceed deposits |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | capital falling | loans exceed deposits |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2023-08-09 [Riordan family, Solomon State Bank receives Century of Family Banking Award - abilene-rc.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPVGJKRWFVNXBzRWhSSHdPNzZUeFQ5U0RWUU5GWU5qSmJ1YU14S1oxN2psQldBZjllWjctODJJTDNNbzNfdTI4V0VVT0VVLVNiVGIzYm1qNFFWWkpwcE15MEZLTzdxVkM3aWNxMHJIVFc3T1JuV3AxYVY4anZtbHRYSjJhQ19DWDNKVWQzclZKRzJTd2NVSFJUYmtCR1NNWjZ2dFE3b2JpQUZKVnIzOFFaNGVtd1RGcnlSbHNmZVhsdHRyZ09vTHgzZTdKRmxSdi0xbDUwV2lDS3ZERGhzZ3VZM01uNFBjdDBGM2IyaQ?oc=5) · abilene-rc.com
- 2026-03-17 [Marianna Carney Obituary - Salina Journal](https://news.google.com/rss/articles/CBMiWEFVX3lxTE91alcyRlROcGt4cHYzMmltamVsdUw0U1VSZThiWWpfRk8xRzJoU2Z0aHpTVVRRSVhRMDFhejZPZzZudUpTeUdfSUwwcVpaajBkX0NweEdMU24?oc=5) · Salina Journal
- 2023-08-09 [Seelye Mansion Brings History to Life for Visitors - KCLY Radio](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdktHS0VGM2hCemdnTEI3NER6YlBtNWN2RTFfa2cxWW1ScklKVmxTYjJTZTg1Tl9YOFZJYUk4SzJ3UmxoQXA1Q1VzTUVLXzM0TE9iTktxRUlISU83MFBxaHpzdTkzZlFBVmJNR1R4bkwxemJEVEo2Uk04SUJlQlg5dGE0YzI?oc=5) · KCLY Radio
- 2024-05-31 [Purchasing locations for 48th Smoky Hill River Festival wristbands - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTFBZeVdzOXdEMHV2OTJRT3VncVNwUkdlM1FReDJvWjkwS0RxOHZqeS1NdjNxcEtkMDRoNnBtZFBFSkN3bTFzRnBrdU1kNjZhWlZ3MEpRY2ZGd1hBalk0eXkyTmlIRkh0RzBPQTFlaDVUdHRzdnc?oc=5) · Salina Post
- 2018-05-14 [Doris E. Liles - KSAL News](https://news.google.com/rss/articles/CBMiT0FVX3lxTE5rQ2tleUZXUTFDUlNfeU9iVmFoaU5SbFNqRkVMc0ZveVhwOVBBNzV0bHNFMWdWbkdIU3J5Vzg3LXRFVVJ2ekFzLVdmT3p0dlU?oc=5) · KSAL News
- 2022-10-22 [Mary Ryan Obituary - Salina Journal](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9Wd0VLcXgtZzRCSmFGX1c1Ym1aM2NoWEJ4WjNjSFBMYkVSbE5pQ014bmxERXk5VHJSZkN1YkQxcW1JYi1aVGpfUmw2dHJIMVBoWDRMbTBFR0Y?oc=5) · Salina Journal
- 2026-07-17 [Salina Public Library celebrates grand opening of youth services remodel space with community - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTFBxYUFhU3JScjNYa1o1bWtuZzZ4UExPbTZNdDBkN2FZZnRFRWxMLXVFUEpHQ3pIMWttYU1BUFZXR1RveG9xM0w1VXNDanNEX0xmV2sxUjh4VXRRcDJBek1GeWlkenBGb3ZVdU9mMzQxdk0tVms?oc=5) · Salina Post
- 2024-12-13 [SAUW Mistletoe Melodies raises $70K to benefit Salina area community - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTFBfSjlsdVVfOVNzSEQ2bzhVX2lHNktwem5vRWlkNEgxX0RXRUVFUU1VVlRFR0RfUUZlUDhIdE13VXlieU5ETmlqWGo2R0w0QkY5aXdydUxqa2VLUGhxX3RFWkhxZ2kwTm1YR3kwVDVZM3dISDQ?oc=5) · Salina Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4773 (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/37.json (key "4773", 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