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 | |