Peer Analysis

Performance Ratios (%) SLRK Peer Median Peer Average
ROAA 1.39 1.37 0.99
ROAE 8.90 11.90 8.87
Net Interest Margin 3.84 4.30 4.28
Efficiency Ratio 46.91 69.94 72.14
Loans / Deposits 90.17 78.32 77.20
Asset Quality Ratios (%)
NPAs / Assets NA 0.19 2.15
NCOs / Avg Loans 0.02 0.07 0.11
Reserves / Loans 1.29 1.30 1.59
Reserves / NPAs NA 80.21 232.04
Capital Ratios (%)
Tier 1 Capital 20.20 13.77 14.03
Tangible Equity / Tangible Assets 15.64 10.66 11.49
Total Equity / Total Assets 15.66 10.86 11.55
Market Ratios
Price / Earnings (x) 14.75 10.55 10.67
Price / Book (%) 121.17 146.15 142.90
Dividend Yield (%) 0.00 0.00 0.90
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 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

Denver Bankshares, Inc.'s financial data is as of 3/31/2019.
Citizens National Bancshares of Bossier, Inc.'s financial data is as of 3/31/2019.
High Country Bancorp, Inc.'s financial data is as of 3/31/2019.
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.