Solera National Bank
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
$1.6BAssets
$899.8MLoans
$1.3BDeposits
$120.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 95% of banks $1B-$10B in assets (rank 16 of 328).
- Widest gap: total risk-based capital ratio trails 100% of banks $1B-$10B in assets (rank 328 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $22.6M · efficiency ratio beats 82% of banks $1B-$10B in assets | 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 |