BlastPoint's Banking Scorecard
Solera National Bank
Designations: ✓ Community bank
Lakewood, CO
Solera National Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.63% above tier average
- + ROA 0.34% above tier average
- + Efficiency Ratio 8.42% below tier average
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 29.0% in tier
- - Net Interest Margin 0.49% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+45.0% YoY
+3.8% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$903.1M
+19.5% YoY
+10.6% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$1.2B
+34.3% YoY
+9.6% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
1.71%
+3.8% YoY
-8.2% QoQ
|
+0.34% |
1.37%
+19.6% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
81% |
| Net Interest Margin ? |
3.32%
-13.2% YoY
-5.9% QoQ
|
-0.49% |
3.82%
+6.9% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
52.64%
+20.8% YoY
+10.3% QoQ
|
-8.42% |
61.06%
-4.6% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.66%
-11.5% YoY
-3.8% QoQ
|
-0.23% |
0.89%
+14.1% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
73.23%
-11.0% YoY
+0.9% QoQ
|
-10.98% |
84.20%
+0.3% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
35.92%
-29.2% YoY
-14.3% QoQ
|
+14.63% |
21.29%
-2.5% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
Top 8.0% in tier |
| Nonperforming Asset Ratio ? |
0.43%
-14.8% YoY
+19.7% QoQ
|
-0.24% |
0.67%
+15.6% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
9.02%
-32.5% YoY
-7.9% QoQ
|
-6.14% |
15.16%
+2.0% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.6% in tier |
| Non-Interest Income / Assets ? |
0.09%
-12.4% YoY
-62.8% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
26% |
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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 (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.