Lakewood, CO · Cert 58534 · Solera National Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
35
Profitability
67
Liquidity
22
Efficiency
82
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lakewood, CO · Cert 58534 · Solera National Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 1.1% share · #15 of 68 inst. · $1.3B of $113.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.50% | 1.65% | 1.82% | 1.97% | 1.86% | 1.71% | 1.71% | -11 bps | |
| Return on Equity | 20.49% | 21.38% | 20.79% | 23.45% | 24.33% | 23.87% | 24.91% | 23.94% | +49 bps | |
| Net Interest Margin | 3.06% | 3.22% | 3.47% | 3.19% | 3.31% | 3.03% | 3.18% | 2.95% | -24 bps | |
| Efficiency Ratio | 43.06% | 42.43% | 43.58% | 45.25% | 46.83% | 47.75% | 52.64% | 49.04% | +379 bps | |
| Non-Interest Burden | 1.08% | 1.11% | 1.30% | 1.27% | 1.37% | 1.31% | 1.50% | 1.32% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.70% | -4.62% | -11.63% | 0.64% | 0.53% | 32.54% | 45.02% | 25.42% | +2,478 bps | |
| Loan Growth (YoY) | 6.88% | 0.70% | -6.61% | -4.83% | -4.15% | 4.58% | 19.51% | 19.25% | +2,408 bps | |
| Deposit Growth (YoY) | -3.99% | -3.66% | -13.14% | 17.30% | 0.32% | 20.35% | 34.32% | 16.91% | -39 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.76% | 0.65% | 0.73% | 0.73% | 1.39% | 0.67% | 0.65% | 1.45% | +72 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.05% | +5 bps | |
| Allowance / Loans | 1.37% | 1.38% | 1.42% | 1.49% | 1.47% | 1.47% | 1.44% | 1.51% | +2 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.1x | 1.9x | 2.0x | 1.1x | 2.2x | 2.2x | 1.0x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.64% | 9.32% | 9.80% | 9.52% | 10.43% | 9.79% | 9.02% | 8.63% | -89 bps | |
| Total Risk-Based Capital | 12.82% | 13.66% | 14.61% | 9.52% | 10.43% | 9.79% | 9.02% | 8.63% | -89 bps | |
| Equity / Assets | 7.71% | 7.64% | 8.21% | 7.49% | 9.06% | 6.91% | 6.81% | 7.75% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.35% | 84.81% | 83.50% | 68.31% | 74.86% | 73.69% | 74.29% | 69.68% | +137 bps | |
| Liquid Assets / Assets | 0.05% | 0.01% | 0.09% | 0.24% | 0.16% | 0.11% | 0.11% | 0.10% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 257% | 250% | 245% | n/a | n/a | |
Lakewood, CO · Cert 58534 · Peer group: banks $1B-$10B in assets (n=322-328) · Solera National Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Return on Assets
1.73%
Rank 52 of 328
Net Interest Margin
2.95%
Rank 258 of 328
Efficiency Ratio
49.04%
Rank 60 of 328
Equity / Assets
7.75%
Rank 312 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.73% | 0.91% | 1.22% | 1.52% | Beats 84% | 52 / 328 | ||
| Return on Equity | 22.36% | 8.43% | 11.45% | 14.43% | Beats 95% | 16 / 328 | ||
| Net Interest Margin | 2.95% | 3.03% | 3.45% | 3.83% | Beats 21% | 258 / 328 | ||
| Efficiency Ratio | 49.04% | 51.61% | 59.56% | 67.53% | Beats 82% | 60 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.45% | 0.24% | 0.51% | 1.03% | Beats 17% | 269 / 322 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 53% | 151 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.63% | 11.75% | 13.15% | 15.47% | Beats 0% | 328 / 328 | ||
| Total Risk-Based Capital Ratio | 8.63% | 12.63% | 14.15% | 16.46% | Beats 0% | 328 / 328 | ||
| Equity / Assets | 7.75% | 9.15% | 10.33% | 12.01% | Beats 5% | 312 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.68% | 76.63% | 87.92% | 95.36% | 15th pctl | 275 / 323 | ||
| Loans / Assets | 57.92% | 65.18% | 74.15% | 79.98% | 15th pctl | 279 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||