Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 0.47 0.68 0.33
ROAE 3.46 6.02 1.37
Net Interest Margin 3.32 4.33 4.15
Efficiency Ratio 58.58 70.33 74.06
Loans / Deposits 87.01 79.67 76.16
Asset Quality Ratios (%)
NPAs / Assets 0.00 0.07 2.29
NCOs / Avg Loans (0.09) 0.15 0.27
Reserves / Loans 1.28 1.08 1.61
Reserves / NPAs NA 48.31 257.21
Capital Ratios (%)
Tier 1 Capital 20.80 13.22 13.47
Tangible Equity / Tangible Assets 15.06 9.88 10.98
Total Equity / Total Assets 15.11 9.88 10.98
Market Ratios
Price / Earnings (x) 33.45 16.32 16.32
Price / Book (%) 116.20 131.46 142.74
Dividend Yield (%) 0.00 0.00 1.18
Data for trailing four quarters

Solera National Bancorp, Inc.'s peer group consists of the following: BOL Bancshares, Inc. (BOLB), 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 6/30/2018.

Peer financial data is as of 6/30/2018 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.