Solutions Bank (FDIC #11741): Bank Stress & Real-Estate Credit Exposure
Solutions Bank (FDIC Cert #11741): bank stress 82/100, severe, STABLE over 7 days; parent HIGH POINT FINL SERVICES INC.
Solutions Bank (#11741) lends in 4 counties across 1 state; Solutions Bank (#11741) reaches 66 ZIP codes: Illinois 4 counties, 66 ZIPs.
Solutions Bank (#11741) largest markets: Ogle County, IL (27 branches, 27 ZIPs) (#11741), Winnebago County, IL (52 branches, 26 ZIPs) (#11741), Stephenson County, IL (19 branches, 19 ZIPs) (#11741), Boone County, IL (15 branches, 15 ZIPs) (#11741).
Solutions Bank (#11741) reports $491.6 million in total assets; Solutions Bank (#11741) equity $28.1 million (5.7% of Solutions Bank (#11741) assets); Solutions Bank (#11741) domestic deposits $385.3 million; Solutions Bank (#11741) net income $2.4 million; Solutions Bank (#11741) return on assets 0.98%; Solutions Bank (#11741) return on equity 16.95%; Solutions Bank (#11741) net interest income $7.0 million; Solutions Bank (#11741) call report June 30, 2026.
Solutions Bank (#11741) noncurrent real-estate loans: none reported; Solutions Bank (#11741) net charge-offs on real estate 0.70%; Solutions Bank (#11741) residential charge-offs 1.60%.
Solutions Bank (#11741) net interest margin 3.10% against an eight-quarter Solutions Bank (#11741) average of 2.84% (Solutions Bank (#11741) compression -0.25 points); Solutions Bank (#11741) non-residential real estate 159.9% of equity; Solutions Bank (#11741) rate-exposure score 40/100, Solutions Bank (#11741) fixed-rate trap 40/100; Solutions Bank (#11741) risk type credit driven; Solutions Bank (#11741) rate regime rates elevated, Solutions Bank (#11741) snapshot October 20, 2026.
Solutions Bank (#11741) stress score moved from 80.1 on June 22, 2026 to 81.7 on October 20, 2026; Solutions Bank (#11741) ranged 80.1 to 81.7 over 117 snapshots.
Solutions Bank (#11741) alerts: 4 counties; top Solutions Bank (#11741) alert scores: Durand County, IL 29 (low); Forreston County, IL 29 (low); Freeport County, IL 29 (low); Poplar Grove County, IL 29 (low).