Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 1.27 0.55 0.38
ROAE 9.36 4.06 2.36
Net Interest Margin 3.73 4.33 4.05
Efficiency Ratio 47.61 70.88 83.88
Loans / Deposits 91.03 72.36 77.79
Asset Quality Ratios (%)
NPAs / Assets 0.25 0.59 1.88
NCOs / Avg Loans 0.01 0.11 0.07
Reserves / Loans 1.22 1.31 1.61
Reserves / NPAs 376.55 51.90 110.18
Capital Ratios (%)
Tier 1 Capital NA 13.84 13.72
Tangible Equity / Tangible Assets 10.98 9.92 10.57
Total Equity / Total Assets 10.98 10.51 10.69
Market Ratios
Price / Earnings (x) 10.38 NA NA
Price / Book (%) 89.17 65.95 96.71
Dividend Yield (%) 0.00 0.00 1.46
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), High Country Bancorp, Inc. (HCBC), Trinity Bank, N.A. (TYBT)

Solera National Bancorp, Inc.'s financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020.