Visbanking Logo
Skip to main content

Solon State Bank

IDRSSD: 185448
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
51
/ 100
WatchAs of 2025-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #185448 2025-Q4 Vital Signs Score: 51/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Risk
Reserves:Risk

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 14.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 14.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ 0
63
Sub-score

Liquidity is stable: brokered 8.4%, loans/deposits 99.6%, cash 2.3% of assets.

Cash / Assets
2.35%
Loans / Deposits
99.63%
Brokered %
8.39%

Watch Items

  • infoCash / Assets below 3% — Cash 2.35% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 24.27%.

Tier 1 RBC
—
CET1
0.00%
Leverage
24.27%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -7
39
Sub-score

Asset quality is weak: Adjusted NPL 4.91%, Texas Ratio 13.2%, NCO YTD 1.06%.

Adjusted NPL
4.91%
Govt-guarantees stripped
Texas Ratio
13.2%
NCO YTD
1.06%
30-89 PD
6.27%
Band 0.3% / 3.0%
90+ PD
0.38%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.91% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.06% of loans.

Reserves

RiskQoQ -10
7
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 14.5%, true coverage 14.5%.

ALLL / Loans
0.71%
Coverage
14.5%
True Loss Coverage
14.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 14.5% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.71% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 04:13:39 UTC