BlastPoint's Banking Scorecard
Solera National Bank
Designations: ✓ Community bank
Lakewood, CO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 7 in CO.
- Deposits +16.9% year over year ($1.3B on the books).
- Delinquency rate 1.47%.
- Return on assets 1.71%.
- Efficiency ratio 49.04% vs a 59.73% peer average.
- Loan-to-deposit ratio 68.63% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Solera National Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 12.69% above tier average
- + ROA 0.32% above tier average
- + Efficiency Ratio 10.69% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.48% below tier average
- - Delinquency Rate 0.61% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+25.4% YoY
-3.6% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$886.2M
+19.2% YoY
-1.9% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$1.3B
+16.9% YoY
+4.7% QoQ
|
-$1.0B |
$2.3B
-0.5% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
1.71%
-6.0% YoY
+0.2% QoQ
|
+0.32% |
1.39%
+17.0% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
3.39%
-8.5% YoY
+2.0% QoQ
|
-0.48% |
3.87%
+6.2% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
49.04%
+8.4% YoY
-6.8% QoQ
|
-10.69% |
59.73%
-12.6% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
1.47%
+99.8% YoY
+124.2% QoQ
|
+0.61% |
0.87%
+11.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
68.63%
+2.0% YoY
-6.3% QoQ
|
-16.41% |
85.04%
-0.1% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
Top 14.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.96%
-19.0% YoY
-5.5% QoQ
|
+12.69% |
21.27%
-1.5% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 9.7% in tier |
| Nonperforming Asset Ratio ? |
0.90%
+104.5% YoY
+110.2% QoQ
|
+0.23% |
0.67%
+11.7% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
8.63%
-9.4% YoY
-4.3% QoQ
|
-6.21% |
14.84%
-0.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.1% in tier |
| Non-Interest Income / Assets ? |
0.14%
-16.8% YoY
+59.5% QoQ
|
-0.39% |
0.53%
+2.5% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
16% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
34.0%
-8.0pp YoY -2.0pp QoQ |
+12.6pp | 21.4% | 23.5% | 22.2% | 90% |
| Brokered Deposits |
17.2%
-3.0pp YoY +2.1pp QoQ |
+7.7pp | 9.5% | 7.4% | 8.5% | 85% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.7%
0.0pp YoY 0.0pp QoQ |
-4.3pp | 14.0% | 8.4% | 12.5% | 43% |
| CRE |
38.6%
-9.0pp YoY +0.3pp QoQ |
-11.4pp | 50.0% | 42.8% | 41.4% | 22% |
| 1-4 Family |
50.1%
+8.5pp YoY -0.4pp QoQ |
+23.7pp | 26.4% | 33.0% | 31.3% | 90% |
| Consumer |
2.7%
+0.3pp YoY +0.2pp QoQ |
-2.1pp | 4.7% | 3.9% | 5.0% | 71% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
8.6%
-0.9pp YoY -0.4pp QoQ |
-2.7pp | 11.3% | 12.5% | 12.6% | 6% |
| Total Capital Ratio | n/a | n/a | 16.7% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
69
+6 (+9.5%) YoY +2 (+3.0%) QoQ |
-245 | 313 | 107 | 482 | 2% |
| Assets per Employee ($) |
$22.5M
+14.5% YoY -6.4% QoQ |
+$12.0M | $10.5M | $7.8M | $8.8M | 96% |
| Branch Count |
1
0 YoY 0 QoQ |
-19 | 20 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.7% | 0.4% | 75% |
| Nonaccrual |
1.4%
+0.8pp YoY +0.8pp QoQ |
+0.6pp | 0.8% | 0.8% | 1.0% | 84% |
| Allowance Coverage |
1.04x
-49.1% YoY -53.1% QoQ |
-17.67x | 18.71x | 12.16x | 20.23x | 25% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 56% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.9%
+0.5pp YoY -1.0pp QoQ |
+11.3pp | 12.6% | 9.7% | 11.6% | 96% |
| Cost of Funds (YTD) |
2.7%
+0.2pp YoY +0.2pp QoQ |
+0.8pp | 1.9% | 1.7% | 1.7% | 90% |
| Net Income ($, YTD) |
$13.5M
+26.0% YoY — QoQ |
-$5.8M | $19.2M | $5.4M | $40.4M | 55% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.