Solera National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 12.67 percentage points in Q2 2026, from 212.37% to 199.71%. It was the largest change from Q1 2026 among the key lines here. Solera National Bank ranks 44th of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 69.68% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Solera National Bank sits 18.52 points lower, at 69.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $899.8M |
| Net loans and leases | $886.2M |
| Loans held for sale | $0 |
| Loans to total assets | 57.92% |
| Loan-to-deposit ratio | 69.68% |
| Net loans to equity capital | 7.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.15% |
| Multifamily (5+ residential) | 9.40% |
| Commercial and industrial | 9.56% |
| Consumer | 2.62% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 199.71% |
| Construction concentration (Tier 1 capital + allowance) | 52.92% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.65% |
| Interest income on loans | $15.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $746.2M | $1.06B | 25.58% | 15.83% | 1.11% |
| Q4 2023 | $787.3M | $970.2M | 26.10% | 14.22% | 0.99% |
| Q1 2024 | $820.9M | $1.06B | 25.44% | 14.26% | 1.04% |
| Q2 2024 | $792.8M | $941.6M | 25.90% | 10.81% | 1.18% |
| Q3 2024 | $797.6M | $1.02B | 25.27% | 10.39% | 1.48% |
| Q4 2024 | $792.8M | $934.7M | 24.88% | 10.02% | 1.77% |
| Q1 2025 | $766.7M | $918.2M | 26.58% | 8.93% | 1.94% |
| Q2 2025 | $754.5M | $1.10B | 26.75% | 9.53% | 2.29% |
| Q3 2025 | $764.4M | $1.02B | 24.87% | 9.11% | 2.45% |
| Q4 2025 | $829.1M | $1.13B | 23.23% | 8.64% | 2.55% |
| Q1 2026 | $916.3M | $1.23B | 19.27% | 9.57% | 2.47% |
| Q2 2026 | $899.8M | $1.29B | 19.15% | 9.56% | 2.62% |
Solera National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Solera National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Solera National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58534) · FFIEC NIC profile (RSSD 3397233)