Solera National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Solera National Bank of Lakewood, CO against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.56% | 1.46% | +0.10% | 70th above |
| ROAE | 23.31% | 12.71% | +10.60% | 94th top |
| Net Interest Margin | 3.31% | 3.85% | -0.54% | 26th below |
| Efficiency Ratio | 43.86% | 57.41% | -13.55% | 88th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.73% | 1.88% | -0.15% | 50th above |
| Yield on Earning Assets | 6.04% | 5.72% | +0.32% | 77th top |
| Cost of Funds | 2.83% | 2.02% | +0.81% | 11th bottom |
| Net Interest Spread | 1.71% | 3.18% | -1.47% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.54% | 1.00% | +0.54% | 18th bottom |
| NPA / Total Assets | 0.96% | 0.76% | +0.20% | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 32nd below |
| ACL / Total Loans | 1.51% | 1.31% | +0.20% | 87th top |
| ACL / NPLs (Coverage) | 97.88% | 543.63% | -445.75% | 29th below |
| Texas Ratio | 11.69% | 7.39% | +4.30% | 19th bottom |
| Provision / NCO | 655.69% | 618.58% | +37.11% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.63% | 11.44% | -2.81% | 6th bottom |
| Equity / Assets | 7.75% | 11.34% | -3.59% | 5th bottom |
| TCE / Tangible Assets | 7.75% | 10.50% | -2.75% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.68% | 86.96% | -17.28% | 86th top |
| Core Deposit Ratio | 83.03% | 85.56% | -2.53% | 28th below |
| Uninsured Deposit Ratio | 16.02% | 33.13% | -17.11% | 90th top |
| Wholesale Funding Ratio | 8.56% | 5.70% | +2.86% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 25.42% | 9.67% | +15.75% | 94th top |
| Loan Growth (Y/Y) | 19.25% | 8.05% | +11.20% | 90th top |
| Deposit Growth (Y/Y) | 16.91% | 7.86% | +9.05% | 88th top |
See Solera National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Solera National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Solera National Bank profile, how to read a UBPR, or how this data updates.