Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 1.30 0.82 0.43
ROAE 8.79 7.38 3.07
Net Interest Margin 3.88 4.46 4.28
Efficiency Ratio 48.17 70.60 81.15
Loans / Deposits 83.37 81.78 80.33
Asset Quality Ratios (%)
NPAs / Assets 0.33 0.25 2.11
NCOs / Avg Loans 0.02 0.17 0.13
Reserves / Loans 1.55 1.37 1.63
Reserves / NPAs 327.20 50.28 109.58
Capital Ratios (%)
Tier 1 Capital NA 14.57 13.75
Tangible Equity / Tangible Assets 13.88 10.63 11.00
Total Equity / Total Assets 13.89 10.63 11.09
Market Ratios
Price / Earnings (x) 11.66 12.31 12.31
Price / Book (%) 95.04 107.90 121.86
Dividend Yield (%) 0.00 0.00 0.99
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, High Country Bancorp, Inc. (HCBC), Security First Bank, T Bancshares, Inc., Treaty Oak Bancorp, Inc., Trinity Bank, N.A. (TYBT)

Solera National Bancorp, Inc.'s financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 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.