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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.04% | 2.20% | 1.74% | 1.71% | 1.69% | -34 bps | |
| Return on Equity | 26.04% | 26.65% | 22.24% | 24.91% | 23.31% | -274 bps | |
| Net Interest Margin | 3.18% | 3.30% | 3.18% | 3.18% | 2.99% | -19 bps | |
| Efficiency Ratio | 46.96% | 50.00% | 50.45% | 52.64% | 45.35% | -161 bps | |
| Non-Interest Burden | 1.33% | 1.49% | 1.52% | 1.50% | 1.26% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.64% | 0.53% | 32.54% | 45.02% | 25.42% | +2,478 bps | |
| Loan Growth (YoY) | -4.83% | -4.15% | 4.58% | 19.51% | 19.25% | +2,408 bps | |
| Deposit Growth (YoY) | 17.30% | 0.32% | 20.35% | 34.32% | 16.91% | -39 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.73% | 1.39% | 0.67% | 0.65% | 1.45% | +72 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.08% | +8 bps | |
| Allowance / Loans | 1.49% | 1.47% | 1.47% | 1.44% | 1.51% | +2 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.1x | 2.2x | 2.2x | 1.0x | -1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.52% | 10.43% | 9.79% | 9.02% | 8.63% | -89 bps | |
| Total Risk-Based Capital | 9.52% | 10.43% | 9.79% | 9.02% | 8.63% | -89 bps | |
| Equity / Assets | 7.49% | 9.06% | 6.91% | 6.81% | 7.75% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.31% | 74.86% | 73.69% | 74.29% | 69.68% | +137 bps | |
| Liquid Assets / Assets | 0.24% | 0.16% | 0.11% | 0.11% | 0.10% | -14 bps | |
| CRE / Total Capital | n/a | 257% | 250% | 245% | n/a | n/a | |