Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 1.46 1.39 1.00
ROAE 9.41 12.23 8.74
Net Interest Margin 3.89 4.64 4.40
Efficiency Ratio 46.29 70.33 73.06
Loans / Deposits 82.07 78.33 76.73
Asset Quality Ratios (%)
NPAs / Assets 0.00 0.15 2.50
NCOs / Avg Loans 0.03 0.17 0.13
Reserves / Loans 1.25 1.31 1.59
Reserves / NPAs NA 48.67 123.25
Capital Ratios (%)
Tier 1 Capital 18.96 14.57 14.42
Tangible Equity / Tangible Assets 14.10 10.88 11.41
Total Equity / Total Assets 14.11 11.29 11.45
Market Ratios
Price / Earnings (x) 13.75 9.99 9.92
Price / Book (%) 119.81 147.12 132.93
Dividend Yield (%) 0.00 0.00 0.97
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, 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 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

Citizens National Bancshares of Bossier, Inc.'s financial data is as of 6/30/2019.
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.