Headquartered in Solon, Iowa, Solon State Bank is a state-chartered bank with $122.5M in total assets and $90.3M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1932.
Solon State Bank has a TellerScore of 45 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 219th. Capital cushion contributes the most (100/100, 23.00%); loan quality contributes the least (0/100, 11.69%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 18 points (63 → 45), mostly because the earnings component weakened by 78 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 63 |
| Q4 2024 | 61 |
| Q1 2025 | 60 |
| Q2 2025 | 63 |
| Q3 2025 | 63 |
| Q4 2025 | 63 |
| Q1 2026 | 63 |
| Q2 2026 | 45 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 21.58% |
| Q3 2024 | 22.23% |
| Q4 2024 | 22.21% |
| Q1 2025 | 22.86% |
| Q2 2025 | 22.92% |
| Q3 2025 | 23.68% |
| Q4 2025 | 24.27% |
| Q1 2026 | 24.31% |
| Q2 2026 | 23.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 12.19% |
| Q3 2024 | 7.26% |
| Q4 2024 | 9.65% |
| Q1 2025 | 11.11% |
| Q2 2025 | 6.23% |
| Q3 2025 | 5.54% |
| Q4 2025 | 4.87% |
| Q1 2026 | 7.05% |
| Q2 2026 | 11.69% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.15% |
| Q3 2024 | 2.21% |
| Q4 2024 | 2.54% |
| Q1 2025 | 2.73% |
| Q2 2025 | 2.42% |
| Q3 2025 | 2.49% |
| Q4 2025 | 2.79% |
| Q1 2026 | 2.82% |
| Q2 2026 | 0.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $122.5M | 23.00% | 11.69% | 0.05% | 93.8% |
| Q1 2026 | 63 | $126.7M | 24.31% | 7.05% | 2.82% | 94.3% |
| Q4 2025 | 63 | $125.7M | 24.27% | 4.87% | 2.79% | 99.6% |
| Q3 2025 | 63 | $125.0M | 23.68% | 5.54% | 2.49% | 95.7% |
| Q2 2025 | 63 | $124.9M | 22.92% | 6.23% | 2.42% | 92.3% |
| Q1 2025 | 60 | $128.3M | 22.86% | 11.11% | 2.73% | 93.1% |
| Q4 2024 | 61 | $128.3M | 22.21% | 9.65% | 2.54% | 85.7% |
| Q3 2024 | 63 | $125.5M | 22.23% | 7.26% | 2.21% | 81.8% |
| Q2 2024 | 60 | $128.4M | 21.58% | 12.19% | 2.15% | 78.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants Savings BankBank Iowa City, IA | 83 out of 100, Strong | $122.5M | 13.6% | 0.00% | vs |
| Pocahontas State BankBank Pocahontas, IA | 71 out of 100, Strong | $122.6M | 26.4% | 1.93% | vs |
| United Bank & Trust Co.Bank Marshalltown, IA | 63 out of 100, Moderate | $120.1M | 10.5% | 1.57% | vs |
| Security State BankBank Radcliffe, IA | 44 out of 100, Below average | $119.0M | 8.3% | 2.88% | vs |
| First State BankBank Britt, IA | 93 out of 100, Very strong | $125.9M | 17.7% | 0.00% | vs |
| Cedar Valley Bank & TrustBank La Porte City, IA | 54 out of 100, Below average | $126.3M | 9.0% | 1.27% | vs |
Deposit insurance
Is my money safe at Solon State Bank?
Yes. Solon State Bank is an FDIC-insured institution (FDIC certificate #232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.0% of deposits ($18.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 23.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Solon State Bank lists 3 offices in 3 cities. Most locations:
- Ely, IA (1)
- Solon, IA (1)
- Tiffin, IA (1)
Identity & history
Profile
- Legal name
- Solon State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 232
- RSSD ID
- 185448
- Primary regulator
- FDIC
- Holding company
- Solon Financial Inc
- Established
- March 17, 1932
- Headquarters
- 126 S Market St, Solon, IA 52333
- Website
- www.solonstatebank.com
- Employees
- 15
Quick answers
Solon State Bank: common questions
Is Solon State Bank FDIC insured?
Yes. Solon State Bank is an FDIC-insured institution (FDIC certificate #232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Solon State Bank's TellerScore?
45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Solon State Bank ever failed?
There is no failure record for FDIC certificate #232 in the FDIC failed bank list.
How many branches does Solon State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Solon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Metco Credit UnionCredit union Cedar Rapids, IA | 92 out of 100, Very strong | $58.7M | 18.8% | 0.70% | vs |
| Farmers State BankBank Marion, IA | 91 out of 100, Very strong | $1.1B | 14.4% | 0.21% | vs |
| Citizens State BankBank Wyoming, IA | 91 out of 100, Very strong | $137.7M | 17.9% | 0.25% | vs |
| Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA | 87 out of 100, Very strong | $2.9B | 16.9% | 0.54% | vs |
| Liberty Trust & Savings BankBank Durant, IA | 86 out of 100, Very strong | $186.2M | 20.7% | 0.86% | vs |
| Hills Bank and Trust CompanyBank Hills, IA | 84 out of 100, Strong | $4.8B | 13.4% | 0.40% | vs |