Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 1.22 1.37 0.99
ROAE 8.17 12.46 8.85
Net Interest Margin 3.71 4.30 4.27
Efficiency Ratio 47.94 69.94 72.14
Loans / Deposits 94.14 78.32 77.38
Asset Quality Ratios (%)
NPAs / Assets 0.02 0.22 2.11
NCOs / Avg Loans 0.03 0.04 0.06
Reserves / Loans 1.33 1.12 1.54
Reserves / NPAs NA 80.21 209.86
Capital Ratios (%)
Tier 1 Capital 19.46 13.77 13.99
Tangible Equity / Tangible Assets 15.95 10.70 11.46
Total Equity / Total Assets 15.98 10.90 11.52
Market Ratios
Price / Earnings (x) 16.91 10.38 9.69
Price / Book (%) 127.64 143.90 141.07
Dividend Yield (%) 0.00 0.00 0.92
Data for trailing four quarters

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

Solera National Bancorp, Inc.'s financial data is as of 3/31/2019.

Peer financial data is as of 3/31/2019 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.