Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 1.08 0.90 0.64
ROAE 7.37 9.29 4.97
Net Interest Margin 3.57 4.31 4.20
Efficiency Ratio 50.97 69.62 72.02
Loans / Deposits 94.05 80.71 77.30
Asset Quality Ratios (%)
NPAs / Assets 0.03 0.38 2.10
NCOs / Avg Loans 0.03 0.05 0.06
Reserves / Loans 1.34 1.13 1.53
Reserves / NPAs NA 61.07 56.87
Capital Ratios (%)
Tier 1 Capital 20.41 13.61 13.60
Tangible Equity / Tangible Assets 16.04 10.43 10.98
Total Equity / Total Assets 16.08 10.69 11.05
Market Ratios
Price / Earnings (x) 16.03 13.36 13.36
Price / Book (%) 115.67 147.04 150.73
Dividend Yield (%) 0.00 0.00 0.91
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 12/31/2018.

Peer financial data is as of 12/31/2018 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.