BlastPoint's Banking Scorecard
Solera National Bank
Community
Specialty: Commercial
CO
FDIC cert 58534
Lakewood, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
Solera National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 30% in Community
- + Non-Interest-Bearing Deposit Share 20.85% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11% in Community
- - Cost Spiral: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+32.5% YoY
+32.8% QoQ
|
+$160.8M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$816.8M
+4.5% YoY
+8.4% QoQ
|
-$158.6M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$1.1B
+20.4% YoY
+10.2% QoQ
|
-$39.6M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.86%
+24.2% YoY
-5.4% QoQ
|
+0.70% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.53%
+5.2% YoY
-4.6% QoQ
|
-0.13% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
47.75%
+12.5% YoY
+2.0% QoQ
|
-14.89% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.68%
+3.4% YoY
-51.4% QoQ
|
+0.05% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
72.61%
-13.2% YoY
-1.6% QoQ
|
-10.46% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
41.90%
-19.2% YoY
-5.4% QoQ
|
+20.85% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.36%
-18.5% YoY
-60.4% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.23%
-47.3% YoY
-10.7% QoQ
|
-0.50% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#113 of 371 · Top 30% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.86%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Community
Why this stands out
Current:
41.90%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (2)
Credit Risk Growth
risk
#73 of 642 · Bottom 11% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Cost Spiral
risk
#10 of 40 · Bottom 23% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
47.75%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 41.90% · Tier avg: 21.05%
88
88th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.16%
88
88th pctile
Efficiency Ratio
Current: 47.75% · Tier avg: 62.63%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.61% · Tier avg: 83.06%
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
58
58th pctile
Total Loans
Current: $816.8M · Tier avg: $975.5M
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
43
43th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.66%
36
36th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
Top Weaknesses
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
43
43th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.66%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
58
58th pctile
Total Loans
Current: $816.8M · Tier avg: $975.5M
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.61% · Tier avg: 83.06%
88
88th pctile
Efficiency Ratio
Current: 47.75% · Tier avg: 62.63%
88
88th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.16%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 41.90% · Tier avg: 21.05%