Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 0.42 0.73 0.32
ROAE 2.97 6.36 1.46
Net Interest Margin 3.22 4.33 4.17
Efficiency Ratio 62.51 70.33 73.81
Loans / Deposits 94.79 80.73 74.68
Asset Quality Ratios (%)
NPAs / Assets 0.00 0.09 2.30
NCOs / Avg Loans (0.11) 0.15 0.26
Reserves / Loans 1.21 1.12 1.61
Reserves / NPAs NA 54.66 211.10
Capital Ratios (%)
Tier 1 Capital 18.14 13.53 13.67
Tangible Equity / Tangible Assets 13.56 9.99 11.01
Total Equity / Total Assets 13.62 9.99 11.01
Market Ratios
Price / Earnings (x) 32.59 16.50 16.50
Price / Book (%) 102.70 145.78 144.53
Dividend Yield (%) 0.00 0.00 1.30
Data for trailing four quarters

Solera National Bancorp, Inc.'s peer group consists of the following: BOL Bancshares, Inc. (BOLB), Denver Bankshares, Inc. (DNVB), Focus Business Bank (FCSB), High Country Bancorp, Inc. (HCBC), Security First Bank (SFRK), T Bancshares, Inc. (TBNC), Treaty Oak Bancorp, Inc. (TOAK), Trinity Bank, N.A. (TYBT)

Solera National Bancorp, Inc.'s financial data is as of 3/31/2018.

Peer financial data is as of 3/31/2018 except for these companies:

Security First Bank's financial data is as of 9/30/2016.
T Bancshares, Inc.'s financial data is as of 12/31/2016.
Treaty Oak Bancorp, Inc.'s financial data is as of 3/31/2009.
Focus Business Bank's financial data is as of 6/30/2015.