Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 0.63 0.71 0.38
ROAE 4.40 6.46 2.28
Net Interest Margin 3.45 4.35 4.20
Efficiency Ratio 54.68 70.33 74.53
Loans / Deposits 92.92 82.24 76.89
Asset Quality Ratios (%)
NPAs / Assets 0.02 0.39 2.13
NCOs / Avg Loans (0.08) 0.14 0.10
Reserves / Loans 1.34 1.17 1.56
Reserves / NPAs 5,908.11 648.31 10,007.33
Capital Ratios (%)
Tier 1 Capital 21.08 13.61 13.77
Tangible Equity / Tangible Assets 15.94 10.09 10.95
Total Equity / Total Assets 15.98 10.36 11.02
Market Ratios
Price / Earnings (x) 26.32 15.50 15.50
Price / Book (%) 105.33 125.97 138.80
Dividend Yield (%) 0.00 0.00 0.83
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. (TBNC), Treaty Oak Bancorp, Inc. (TOAK), Trinity Bank, N.A. (TYBT)

Solera National Bancorp, Inc.'s financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 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.