Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 1.43 1.22 0.97
ROAE 9.45 10.81 8.41
Net Interest Margin 3.88 4.47 4.28
Efficiency Ratio 47.14 68.11 69.37
Loans / Deposits 90.64 74.69 76.33
Asset Quality Ratios (%)
NPAs / Assets 0.00 0.24 2.08
NCOs / Avg Loans 0.02 0.12 0.13
Reserves / Loans 1.29 1.30 1.59
Reserves / NPAs NA 74.63 280.29
Capital Ratios (%)
Tier 1 Capital 16.88 14.30 14.05
Tangible Equity / Tangible Assets 14.36 10.45 11.12
Total Equity / Total Assets 14.37 10.69 11.18
Market Ratios
Price / Earnings (x) 10.78 6.78 8.41
Price / Book (%) 96.01 103.67 110.10
Dividend Yield (%) 0.00 0.00 1.51
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 12/31/2019.

Peer financial data is as of 12/31/2019 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.