Solera National Bank
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Data as of · sourced from FFIEC call reports. How we update
Solera National Bank is an FDIC-insured commercial bank headquartered in Lakewood, CO, established in 2007 (FDIC certificate 58534), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.55B, up 25.4% from Q2 2025, the 7th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.40% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58534
- Headquarters
- Lakewood, CO
- Established
- 2007
- Total assets, Q2 2026
- $1.55B
- Assets vs Q2 2025
- +25.4%
- Tier 1 leverage ratio, Q2 2026
- 8.40%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 107007281
- Latest call report
- Q2 2026, FFIEC 041 · Solera National Bank call report
- Holding company
- SOLERA NATIONAL BANCORP, INC.
- Asset rank in state
- 7th of 63 in Colorado
Problem loans are rising at Solera National Bank. Based in Lakewood, Colorado, it had $1.6 billion in assets at June 30, 2026, up 25.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.45% of loans from 0.73% a year earlier. It returns 21.4% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). On the other hand, it funds 8.40% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
Its $153 million non-owner-occupied commercial real estate book is improving, with 3.03% past due or on nonaccrual, down from 3.71% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $31 million equal 22% of Tier 1 capital, down from 32% a year earlier. Funding is the softer spot: it pays an average of 2.83% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Solera National Bank reported a return on assets of 1.44%, a nonperforming-loan ratio of 1.45% and a Texas ratio of 10.48%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, Solera National Bank is the 7th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.6% to $1.55B, loans fell 1.8% and deposits rose 4.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 49.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.0%. Its one office in the FDIC Summary of Deposits is in Lakewood, CO. By the capital ratios in its Q2 2026 call report, Solera National Bank is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 319 S Sheridan Blvd, Lakewood, CO 80226
- County
- Jefferson
- Metro Area
- Denver-Aurora-Centennial, CO
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 10, 2007
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $1.29B
- Allowance for credit losses
- $13.6M
- Net charge-offs (YTD)
- $246K
- Average total assets
- $1.71B
- Average total loans
- $916.7M
- Average interest-bearing deposits
- $902.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 10, 2007
- FDIC Cert
- 58534
- Fed RSSD
- 3397233
- SEC CIK
- 1357231 → filed by SOLERA NATIONAL BANCORP, INC.
- Website
- www.solerabank.com →
- Parent Holding Company
- SOLERA NATIONAL BANCORP, INC. (RSSD 3607549)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Solera National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Solera National Bank's total assets ran between $1.11B (Q1 2025) and $1.61B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.55B total assets against $1.24B; $1.43B total liabilities against $1.15B.
$886.2M net loans and leases against $743.3M; $1.29B total deposits against $1.10B.
$407.2M securities against $422.1M; $2.2M cash and balances due against $4.3M.
$23.8M total interest income against $17.8M; $11.0M total interest expense against $7.6M.
$12.8M net interest income against $10.2M.
$40K total noninterest income against $968K; $6.2M total noninterest expense against $5.2M.
$605K provision for credit losses against $310K.
$6.2M net income against $6.0M.
1.44% return on assets against 1.87%; 3.31% net interest margin against 3.48%.
8.40% tier 1 leverage ratio against 9.52%.
Inside the full Solera National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Solera National Bank rankings
Its closest position to the top of a national ranking is 483 of 3,606, for efficiency ratio; its furthest is 878 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q1 2026) to 2.14% (Q3 2025) and its net interest margin ran from 3.31% (Q2 2026) to 3.78% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.40% | 1.44% | 1.45% | 10.48% | 3.31% |
| Q1 2026 | 8.76% | 0.71% | 0.65% | 5.64% | 3.45% |
| Q4 2025 | 9.79% | 1.72% | 0.67% | 4.67% | 3.48% |
| Q3 2025 | 10.43% | 2.14% | 1.39% | 9.04% | 3.48% |
| Q2 2025 | 9.52% | 1.87% | 0.73% | 5.27% | 3.48% |
| Q1 2025 | 9.80% | 1.58% | 0.73% | 5.49% | 3.78% |
| Q4 2024 | 9.32% | 1.76% | 0.65% | 5.14% | 3.71% |
| Q3 2024 | 8.64% | 1.80% | 0.76% | 6.01% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Solera National Bank (main office) | Lakewood , CO | 80226 | $1.29B |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC)
- November 18, 2014, OCC: Formal Agreement: Solera National Bank
- December 16, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Solera National Bank
- March 18, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Solera National Bank
- Period: Most recent institution action November 18, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in CO, rank 21 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 48 applications, 44 loans originated, $7.8M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.1M approved, $2.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Solera National Bank
What are Solera National Bank's total assets?
As of the Q2 2026 filing, Solera National Bank reported total assets of $1.55 billion in its FFIEC call report.
Where is Solera National Bank headquartered?
It is headquartered in Lakewood, CO, United States.
When was Solera National Bank founded?
It was established in 2007, per the FDIC institution directory.
Is Solera National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58534). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Solera National Bank?
Solera National Bank's primary federal regulator is the OCC.
How many branches does Solera National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Solera National Bank's Texas Ratio?
Its Texas Ratio is 10.48% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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