Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 0.41 0.55 0.38
ROAE 2.94 4.06 2.53
Net Interest Margin 3.23 4.33 4.15
Efficiency Ratio 62.82 68.44 70.28
Loans / Deposits 94.79 80.69 75.88
Asset Quality Ratios (%)
NPAs / Assets NA 0.52 2.19
NCOs / Avg Loans (0.11) 0.20 0.36
Reserves / Loans 1.21 1.13 1.55
Reserves / NPAs NA 60.64 120.32
Capital Ratios (%)
Tier 1 Capital 18.10 13.55 13.71
Tangible Equity / Tangible Assets NA 10.20 10.98
Total Equity / Total Assets 13.62 10.48 11.05
Market Ratios
Price / Earnings (x) 31.11 18.50 18.50
Price / Book (%) NA 142.61 149.45
Dividend Yield (%) 0.00 0.00 1.27
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 3/31/2018.

Peer financial data is as of 3/31/2018 except for these companies:

High Country Bancorp, Inc.'s financial data is as of 3/31/2018.
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.