Solera National Bank
Total assets
$1.55B
▲ +25.4% YoY
Deposits
$1.29B
▲ +16.9% YoY
Loans
$886.2M
▲ +19.2% YoY
Offices
1
SOLERA NATIONAL BCORP INC
ROA (annualized)
1.71%
peers 1.26%
ROE (annualized)
23.94%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Solera National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.4% | +5.5% | +20.0 pts |
| Deposit growth (YoY) | +16.9% | +5.1% | +11.9 pts |
| Loan growth (YoY) | +19.2% | +5.9% | +13.3 pts |
| ROA | 1.71% | 1.26% | +0.5 pts |
| ROE | 23.9% | 12.2% | +11.8 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
Profile
- Established
- 2007
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- SOLERA NATIONAL BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 319 S Sheridan Blvd, Lakewood, CO, 80226
- County
- Jefferson
- Metro area
- Denver-Aurora-Lakewood, CO
- Offices
- 1
- FDIC cert #
- 58534
- RSSD ID
- 3397233
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.55B | $1.29B | $886.2M | $120.4M | $13.5M | 1.71% | 3.39% | 0.90% |
| Q1 2026 | $1.61B | $1.23B | $903.1M | $109.7M | $6.8M | 1.71% | 3.32% | 0.43% |
| Q4 2025 | $1.55B | $1.13B | $816.8M | $107.3M | $23.2M | 1.86% | 3.53% | 0.36% |
| Q3 2025 | $1.17B | $1.02B | $753.2M | $105.9M | $17.3M | 1.97% | 3.70% | 0.91% |
| Q2 2025 | $1.24B | $1.10B | $743.3M | $92.8M | $10.7M | 1.82% | 3.70% | 0.44% |
| Q1 2025 | $1.11B | $918.2M | $755.8M | $91.3M | $4.7M | 1.65% | 3.83% | 0.50% |
| Q4 2024 | $1.17B | $934.7M | $781.8M | $89.4M | $18.1M | 1.50% | 3.36% | 0.44% |
| Q3 2024 | $1.16B | $1.02B | $786.6M | $89.7M | $12.8M | 1.40% | 3.25% | 0.52% |
Loan mix (Q2 2026): real estate $786.8M · commercial $86.0M · consumer $23.6M · securities $586.9M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Solera National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.26% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 23.9% | 12.2% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.70% | 30th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.0% | 59.0% | 21th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Solera National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Solera National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Solera National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Solera National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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