Solutions Bank
Forreston, Illinois, Ogle County
$492M in total assets, the 1,841st largest of 4,309 US banks and 106th of 328 headquartered in Illinois.
- FDIC certificate
- 11741
- Established
- 1887
- Owned by
- High Point Finl Services Inc
- Primary regulator
- FDIC
- Website
- www.solutions.bank
At a glance
Compared with 211 banks headquartered in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $492M | 76% | $286M | |
| Loans | $247M | 64% | $174M | |
| Deposits | $385M | 74% | $237M | |
| Return on assets | 0.91% | 33% | 1.13% | |
| Net interest margin | 3.10% | 16% | 3.70% | |
| Efficiency ratio | 67.6% | 64% | 64.1% | |
| Equity to assets | 5.71% | 2% | 10.44% | |
| Loans to deposits | 64% | 24% | 76% |
Growth
Total assets grew 9.2% a year over the last 5 years and 10.4% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2022 | Durand State Bank Durand, IL, an affiliate under the same holding company | $136M |
| Sep 2020 | The Poplar Grove State Bank Poplar Grove, IL, an affiliate under the same holding company | $83M |
| Nov 2014 | Kent Bank Kent, IL, an affiliate under the same holding company | $81M |
Where they operate
5 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Winnebago County, IL | $112M | 1.4% | 14 of 18 |
| Stephenson County, IL | $103M | 6.6% | 5 of 9 |
| Ogle County, IL | $100M | 7.0% | 5 of 11 |
| Boone County, IL | $71M | 8.4% | 6 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (3 to 5, +66.7%). 0 opened, 4 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 3 | |||
| 2020 | Acquired The Poplar Grove State Bank | 2 | 0 | +2 | 5 |
| 2022 | Acquired Durand State Bank | 2 | 0 | +2 | 7 |
| 2024 | Closed Poplar Grove | 0 | 1 | −1 | 6 |
| 2026 through Q2 | Closed Kent | 0 | 1 | −1 | 5 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 30% | 23% | |
| Farmland | 25% | 13% | |
| Agricultural | 20% | 7% | |
| 1-4 family residential | 11% | 30% | |
| Business (C&I) | 8% | 12% | |
| Multifamily | 2% | 6% | |
| Consumer | 0% | 4% | |
| Construction and land | 0% | 4% | |
| Other | 4% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 47% | |
| Time deposits | 31% | 35% | |
| Noninterest-bearing | 16% | 19% |
Brokered deposits are 1.3% of deposits (peers 2.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.49% | 0.52% |
| Net charge-offs, annualized | -0.00% | 0.01% |
| Reserves to loans | 0.90% | 1.14% |
| Leverage ratio | 8.83% | 10.91% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Winnebago County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/solutions