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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Stockton, KS · FDIC certificate #16971
SOLUTIONS NORTH BANK is an FDIC-insured institution based in Stockton, KS (FDIC certificate #16971). In its Q3 2026 Call Report it reported total assets of $464M, total deposits of $392M and net loans of $299M. Its primary federal regulator is FDIC.
Plain-language readout
SOLUTIONS NORTH BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $485M in Q1 2026 and were lowest at $464M in Q3 2026.
Total deposits were highest at $408M in Q1 2026 and lowest at $392M in Q3 2026.
Over the whole period total assets fell 4.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $464M | $392M | $299M | 1.39% | 11.55% | 4.23% |
| Q2 2026 | $469M | $396M | $291M | 1.40% | 11.52% | 4.21% |
| Q1 2026 | $485M | $408M | $288M | 1.35% | 11.25% | 4.15% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.9M | $27.4M | -$18.5M | -67.7% |
| Federal funds sold | $2.0M | $7.0M | -$5.0M | -71.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $137.4M | $133.2M | +$4.2M | +3.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $290.8M | $287.6M | +$3.2M | +1.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.3M | $8.4M | -$90K | -1.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $9.3M | $9.6M | -$291K | -3.0% |
| All other assets | $12.9M | $12.4M | +$485K | +3.9% |
| Total assets | $469.5M | $485.4M | -$16.0M | -3.3% |
| Liabilities | ||||
| Total deposits | $395.5M | $408.4M | -$12.9M | -3.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $4.5M | $4.4M | +$109K | +2.5% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $8.8M | $12.0M | -$3.2M | -26.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.8M | $2.9M | -$115K | -4.0% |
| Total liabilities | $411.6M | $427.7M | -$16.1M | -3.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.7M | $1.7M | $0K | 0.0% |
| Surplus | $35.7M | $35.7M | $0K | 0.0% |
| Retained earnings | $22.9M | $22.5M | +$401K | +1.8% |
| Accumulated other comprehensive income | -$2.5M | -$2.2M | -$236K | -10.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $57.9M | $57.7M | +$165K | +0.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $818K | $1.1M | -$260K | -24.1% |
| Adjusted nonperforming assets | $818K | $1.1M | -$260K | -24.1% |
| Tangible equity plus allowance | $53.9M | $53.4M | +$531K | +1.0% |
| Texas ratio (gross) | 1.52% | 2.02% | -0.50 pts | See points |
| Texas ratio (adjusted) | 1.52% | 2.02% | -0.50 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.02% | 4.49% | -0.47 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.28% | 14.03% | +0.25 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.28% | 14.03% | +0.25 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.54% | 15.29% | +0.25 pts | See points |
| Tier 1 leverage (approximate) | 10.90% | 10.53% | +0.36 pts | See points |
| Construction and land loans to total capital | 26.49% | 25.25% | +1.24 pts | See points |
| Commercial real estate to total capital | 57.02% | 56.37% | +0.65 pts | See points |
| Dividend payout, year to date | 39.17% | 0.00% | +39.17 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.45% | -5.91% | -0.54 pts | See points |
| Liquidity | ||||
| Core deposits | $356.2M | $365.2M | -$9.0M | -2.5% |
| Non-core funding | $52.7M | $59.7M | -$7.0M | -11.8% |
| Loans to core deposits | 83.13% | 80.19% | +2.94 pts | See points |
| Loans to deposits | 74.87% | 71.70% | +3.17 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 58.01% | 55.31% | +2.70 pts | See points |
| Loans pledged, share of loans | 20.44% | 22.60% | -2.16 pts | See points |
| Volatile liabilities | $52.7M | $59.7M | -$7.0M | -11.8% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $2.2M | +$2.3M | +108.4% |
| Earnings before provision, single quarter | $2.3M | $2.2M | +$181K | +8.4% |
| Provision for credit losses, year to date | $175K | $88K | +$87K | +98.9% |
| Yield and cost | ||||
| Yield on loans and leases | 6.86% | 6.89% | -0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 4.25% | 2.97% | +1.27 pts | See points |
| Total interest income to average assets | 5.54% | 5.40% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 1.15% | 1.15% | -0.00 pts | See points |
| Cost of savings and money market deposits | 1.80% | 1.80% | +0.00 pts | See points |
| Cost of time deposits | 3.70% | 3.75% | -0.05 pts | See points |
| Total interest expense to average assets | 1.66% | 1.67% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $464M | $392M | $299M | 1.39% | 11.55% | 4.23% |
| 2026-06-30 | $469M | $396M | $291M | 1.40% | 11.52% | 4.21% |
| 2026-03-31 | $485M | $408M | $288M | 1.35% | 11.25% | 4.15% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $396.4M | 0.39% | 58 | Continuing · +0.14 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.