Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 1.39 1.21 0.95
ROAE 8.90 10.64 8.42
Net Interest Margin 3.85 4.33 4.30
Efficiency Ratio 46.92 70.33 73.93
Loans / Deposits 90.17 80.46 76.57
Asset Quality Ratios (%)
NPAs / Assets 0.18 0.28 2.54
NCOs / Avg Loans 0.02 0.15 0.13
Reserves / Loans 1.29 1.31 1.60
Reserves / NPAs 523.99 48.67 122.44
Capital Ratios (%)
Tier 1 Capital 20.18 13.98 14.22
Tangible Equity / Tangible Assets 15.64 10.70 11.33
Total Equity / Total Assets 15.66 11.21 11.38
Market Ratios
Price / Earnings (x) 14.75 10.13 10.45
Price / Book (%) 121.17 153.48 143.88
Dividend Yield (%) 0.00 0.00 0.94
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., Focus Business Bank, High Country Bancorp, Inc. (HCBC), Security First Bank, T Bancshares, Inc., Treaty Oak Bancorp, Inc. (TOAK), Trinity Bank, N.A. (TYBT)

Solera National Bancorp, Inc.'s financial data is as of 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

Security First Bank's financial data is as of 9/30/2016.
Trinity Bank, N.A.'s financial data is as of 9/30/2019.
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.