−6.02%
New institution — no prior-year comparison
FDIC
NETINC + ROASP
Solutions Plus Bank
Albertville, AlabamaFDIC Cert #59362
STATEEstablished 20252 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
−7.89%
New institution — no prior-year comparison
FDIC
NETINC + ROE−6.02%
New institution — no prior-year comparison
FDIC
PTAXNETINC + ASSET5.37%
New institution — no prior-year comparison
FDIC
NIM + NIMY6.71%
New institution — no prior-year comparison
FDIC
INTINCY2.35%
New institution — no prior-year comparison
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
281.03%
New institution — no prior-year comparison
FDIC
NONIX + NIM + NONII + EEFFR8.55%
New institution — no prior-year comparison
FDIC
NONIX + ASSET3.45%
New institution — no prior-year comparison
FDIC
NONII + NIMNew institution — no prior-year comparison
FDIC
ASSETNew institution — no prior-year comparison
FDIC
DEPNew institution — no prior-year comparison
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA−6.02%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.31%Median 1.09%90th 1.86%Observations 91
ROE
FDIC
NETINC + ROE−7.89%6th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.77%Median 10.62%90th 18.54%Observations 91
NIM
FDIC
NIM + NIMY5.37%93rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.14%Median 3.78%90th 4.94%Observations 91
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR281.03%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.62%Median 64.51%90th 81.32%Observations 91
Deposits YoY
FDIC
DEPToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.67%Median +3.54%90th +12.83%Observations 90
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.16%Median +5.16%90th +17.64%Observations 90
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%8th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.52%90th 2.93%Observations 91
Leverage
FDIC
RBC1AAJ73.78%98th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.19%Median 11.18%90th 17.60%Observations 91
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.35%49th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.57%Median 2.34%90th 3.17%Observations 91
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 46%Median 173%90th 274%Observations 36
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.