Solera National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 82.32 percentage points in Q2 2026, from 180.20% to 97.88%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Solera National Bank is 18th of 63 on return on assets, 1.56% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Solera National Bank sits 0.29 points higher, at 1.56% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 8.63% |
| Equity capital to assets | 7.75% |
| Tangible equity to tangible assets | 7.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.54% |
| Non-performing assets ratio | 0.96% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 11.69% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 97.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.56% |
| Return on equity | 23.31% |
| Net interest margin | 3.31% |
| Efficiency ratio | 43.86% |
| Yield on earning assets | 6.04% |
| Cost of funds | 2.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.68% |
| Core deposits to total deposits | 83.03% |
| Brokered deposits to total deposits | 17.18% |
| Deposits to assets | 83.12% |
| Securities to assets | 37.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.67% | 9.67% | 10.70% | 7.37% | 1.62% |
| Q4 2023 | 10.20% | 10.20% | 11.26% | 7.59% | 1.18% |
| Q1 2024 | 10.08% | 10.08% | 11.23% | 7.60% | 0.97% |
| Q2 2024 | 10.84% | 10.84% | 12.03% | 7.91% | 1.34% |
| Q3 2024 | 11.62% | 11.62% | 12.82% | 8.64% | 1.80% |
| Q4 2024 | 12.43% | 12.43% | 13.66% | 9.32% | 1.76% |
| Q1 2025 | 13.36% | 13.36% | 14.61% | 9.80% | 1.58% |
| Q2 2025 | — | — | — | 9.52% | 1.87% |
| Q3 2025 | — | — | — | 10.43% | 2.14% |
| Q4 2025 | — | — | — | 9.79% | 1.72% |
| Q1 2026 | — | — | — | 9.02% | 1.72% |
| Q2 2026 | — | — | — | 8.63% | 1.56% |
Solera National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Solera National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)