Solutions Bank is a state-chartered bank headquartered in Forreston, Illinois, in business for about 139 years. At the end of Q2 2026 it reported $491.6M in total assets and $385.3M in deposits, with 5 offices.
Based on its Q2 2026 filing, Solutions Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 201st. Its strongest component is problem-loan coverage (92/100; 4.0%), and its lowest is capital cushion (38/100; 8.83%).
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 rose 16 points (51 → 67), mostly because the loan quality component improved by 45 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 52 |
| Q4 2024 | 50 |
| Q1 2025 | 52 |
| Q2 2025 | 51 |
| Q3 2025 | 68 |
| Q4 2025 | 65 |
| Q1 2026 | 68 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.06% |
| Q3 2024 | 7.94% |
| Q4 2024 | 7.96% |
| Q1 2025 | 8.54% |
| Q2 2025 | 8.74% |
| Q3 2025 | 9.00% |
| Q4 2025 | 8.67% |
| Q1 2026 | 8.77% |
| Q2 2026 | 8.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.42% |
| Q3 2024 | 1.39% |
| Q4 2024 | 1.42% |
| Q1 2025 | 1.80% |
| Q2 2025 | 1.84% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.49% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.87% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.92% |
| Q4 2025 | 0.80% |
| Q1 2026 | 1.01% |
| Q2 2026 | 0.98% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $491.6M | 8.83% | 0.49% | 0.98% | 63.5% |
| Q1 2026 | 68 | $485.6M | 8.77% | 0.45% | 1.01% | 63.0% |
| Q4 2025 | 65 | $483.9M | 8.67% | 0.44% | 0.80% | 65.6% |
| Q3 2025 | 68 | $479.5M | 9.00% | 0.44% | 0.92% | 62.7% |
| Q2 2025 | 51 | $468.2M | 8.74% | 1.84% | 0.78% | 65.7% |
| Q1 2025 | 52 | $492.6M | 8.54% | 1.80% | 0.87% | 62.6% |
| Q4 2024 | 50 | $491.4M | 7.96% | 1.42% | 0.44% | 66.9% |
| Q3 2024 | 52 | $532.8M | 7.94% | 1.39% | 0.44% | 63.5% |
| Q2 2024 | 51 | $534.9M | 8.06% | 1.42% | 0.42% | 64.0% |
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Casey State BankBank Casey, IL | 70 out of 100, Strong | $496.7M | 11.0% | 1.02% | vs |
| American Eagle BankBank South Elgin, IL | 55 out of 100, Moderate | $484.7M | 8.5% | 0.04% | vs |
| The FNB Community BankBank Vandalia, IL | 76 out of 100, Strong | $498.9M | 12.6% | 0.78% | vs |
| Sterling Federal Bank, F.S.B.Bank Sterling, IL | 20 out of 100, Low | $481.6M | 7.7% | 6.26% | vs |
| Petefish, Skiles & Co.Bank Virginia, IL | 75 out of 100, Strong | $501.6M | 9.1% | 0.14% | vs |
| Hoyne Savings BankBank Chicago, IL | 79 out of 100, Strong | $479.9M | 27.3% | 0.34% | vs |
Deposit insurance
Is my money safe at Solutions Bank?
Yes. Solutions Bank is an FDIC-insured institution (FDIC certificate #11741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.4% of deposits ($78.8M) 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 8.83%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.08% (benchmark: 10%).
5 locations
Branches
Solutions Bank lists 5 offices in 5 cities. Most locations:
- Davis, IL (1)
- Durand, IL (1)
- Forreston, IL (1)
- Freeport, IL (1)
- Poplar Grove, IL (1)
Identity & history
Profile
- Legal name
- Solutions Bank
- Former names
- Forreston State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11741
- RSSD ID
- 927134
- Primary regulator
- FDIC
- Holding company
- High Point Finl Services Inc
- Established
- January 1, 1887
- Headquarters
- 200 E Main St, Forreston, IL 61030
- Website
- www.solutions.bank
- Employees
- 63
Quick answers
Solutions Bank: common questions
Is Solutions Bank FDIC insured?
Yes. Solutions Bank is an FDIC-insured institution (FDIC certificate #11741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Solutions Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Solutions Bank ever failed?
There is no failure record for FDIC certificate #11741 in the FDIC failed bank list.
How many branches does Solutions Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Forreston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ottawa Hiway Credit UnionCredit union Ottawa, IL | 100 out of 100, Very strong | $16.3M | 16.7% | 0.00% | vs |
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| Select Employees Credit UnionCredit union Sterling, IL | 86 out of 100, Very strong | $78.6M | 12.6% | 0.26% | vs |
| Exchange State BankBank Lanark, IL | 83 out of 100, Strong | $112.7M | 11.5% | 0.05% | vs |
| 1st Gateway Credit UnionCredit union Camanche, IA | 80 out of 100, Strong | $170.9M | 14.1% | 0.35% | vs |
| Blackhawk Area Credit UnionCredit union Savanna, IL | 79 out of 100, Strong | $39.1M | 13.4% | 0.13% | vs |