# SOLERA NATIONAL BANK
LAKEWOOD, CO · FDIC certificate 58534 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.55B | |
| Deposits | $1.29B | |
| Loans and leases | $899.8M | |
| Total equity | $120.4M | |
| Loans / deposits | 68.63% (p15 of band) | 87.10% |
| Liquid assets / assets | 37.92% (p88 of band) | |
| Uninsured deposits / deposits | 16.02% (p11 of band) | 30.76% |
| Brokered deposits | 14.28% | |
| Wholesale funding | 22.84% (p92 of band) | |
| FHLB advances / assets | 8.56% | |
| Tier 1 leverage | 8.63% (p7 of band) | 10.50% |
| Unrealized securities loss / equity | -30.63% (p9 of band) | -7.75% |
| AOCI / equity | -0.17% (p60 of band) | |
| ROA (annualized) | 1.71% (p79 of band) | 1.26% |
| Net interest margin | 3.39% (p30 of band) | 3.70% |
| Efficiency ratio | 49.04% (p21 of band) | |
| Noncurrent loans | 1.45% (p83 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p55 of band) | |
| Reserve coverage of noncurrent | 104.19% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 71.02% (p73 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 16.9% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money, expense ratio p90 |
| 2011-09 | 1 | expense ratio p90 | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 | wholesale funding >15% | expense ratio p90 |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 3 | expense ratio p90 |  |
| 2013-12 | 4 | losing money |  |
| 2014-03 | 3 |  | capital falling |
| 2014-06 | 2 |  | losing money |
| 2014-09 | 3 | losing money, assets shrinking | wholesale funding >15% |
| 2014-12 | 2 | deposits shrinking | expense ratio p90, losing money |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 0 |  | assets shrinking, deposits shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | noncurrent p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | reserve under noncurrent |
| 2019-06 | 1 | uninsured deposits leaving | capital falling |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | brokered >10%, wholesale funding >15% |  |
| 2020-09 | 0 |  | capital falling, brokered >10%, wholesale funding >15% |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | capital falling | reserve under noncurrent |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | noncurrent p90 |
| 2022-09 | 4 | construction >100% equity |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | brokered >10%, wholesale funding >15% | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 4 | construction >100% equity | capital falling |
| 2023-09 | 3 |  | construction >100% equity |
| 2023-12 | 3 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 4 | securities losses >30% of equity, construction >100% equity | uninsured deposits leaving |
| 2024-06 | 5 | uninsured deposits leaving |  |
| 2024-09 | 4 |  | securities losses >30% of equity |
| 2024-12 | 5 | securities losses >30% of equity |  |
| 2025-03 | 7 | deposits shrinking, assets shrinking |  |
| 2025-06 | 4 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2025-09 | 0 |  | brokered >10%, wholesale funding >15%, construction >100% equity, securities losses >30% of equity |
| 2025-12 | 2 | wholesale funding >15%, securities losses >30% of equity |  |
| 2026-03 | 4 | brokered >10%, capital falling |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-12 [Deep Value Solera National Bancorp Has One Too Many Concerns (OTCMKTS:SLRK) - Seeking Alpha](https://news.google.com/rss/articles/CBMiowFBVV95cUxPakJSV3hHZVAzWlJ6REczNEJlQ3hIZHJDZVF3Y2FsY3F1WFRHdGVSZ1NBY0xnZ29yWUVUWVAzQllDeENEVXpPYzhPMFNHb2ZoUmVFOWRVODQ0dENtbTBuWnJocEZaSG8tcGlMMVBLLU9GdFh1eVVvdzFZZEl5U1V0OUdIckZfNnpKUkZLSEo0bVhoMzJscnVZOVNSUEV2bGdUdGk4?oc=5) · Seeking Alpha
- 2026-04-28 [Solera National Bancorp Announces First Quarter 2026 Financial Results - ACCESS Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPZHM0LWRIRl92aWdoQVBMdk03bHpscGtFMDZvd0Y5MEo0bUh1RnFERHdBZnE0T2JxRUNxb2pieHJQRWNqak1iVGlkb2ljYW9pNDI4dTJvVkY4aXFYNjlSS1c5SlpIbGdhV2ZERkV1TUhvbm04Nk9KdUd5WmdlZ2l0cWNzYk44R0V6TmxFaDdLUWRKZ2I2NWZzRUY4NEs5SjRLd2xaNkV2VXJzZUV0cjVTYUg5UjBWNjVGSE0tbG5RMVJaNUREUXV4d2kyVG42QW9xMTJfRXBWUmRlVEFtaGJtcmpNTFo?oc=5) · ACCESS Newswire
- 2025-11-08 [Solera National Bank in Lakewood rejects $70M takeover bid by Brazilian businessman, calling it ‘grossly inadequate’ - The Denver Post](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRVZabVNJZnkxaXJyVlVyeXRpNzdtRkZCdEtNVTE5U1BqOUljV01nWWt5QWhNQzFENzV3S1FHdHZheHVRak1BQjRFZ1BYU2FRQklHWHV1cWdENVNzTUV3UFBWdEItb0pzTDF1N0NkYm9yNXN1WEN1dlg5UjM1cHN0Z3RuQ1lya2pJa2VkZXIyekxoOFE?oc=5) · The Denver Post
- 2026-07-28 [Solera National Bancorp Announces Second Quarter 2026 Financial Results - ACCESS Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQM2ZkTEpqVjRHdWM5dkExMGJSa0xieUJJUElWMlRHc0VHMXFsODF0Xzlad1dVeTdjNjZHSEhIYzllRE9mZ2lUOE53ZFRWVW43NjVvR09uZGJOSEtKZUxEeWlMQ3Q5dmNSZWw0OFZCRVBPdEFneFVSaXhzeEhKbDBfTktrVHJsckNuem9GRDJfS2NzWWhmZUNLN3J5OTVFM3l6SHJRUDh2a3FtR2xlM3Axcm9NQ1RrN09zMmVFb28tQTlNX0otRXdKVUs5WXRKeDA0ZG5QSEJTd0FhcDhLUUFzLXF4OFQ?oc=5) · ACCESS Newswire
- 2025-10-30 [Solera Receives Offer Letter - ACCESS Newswire](https://news.google.com/rss/articles/CBMirwFBVV95cUxQYkt1aW9VQ2daSFM2VmpuQU5DOHg3SW1fM3Q3Yzh6b0JxN2thTl9tOHVZSWZaZlF4azRORUw5SVllSk5ybEdPOE44S0FJdm1hTUUwUy1ORFZ0LU05c3drbWlVSk9nVnR4SGlkZE0tRFZiQnIzWTdRQVh2TWZsc2IySVZ0U2RuT2hPZ1NrTE1sQWszUkhiRmpTTXgtRzBQZ25BTnY1UkZzbWxoZnozWEhV?oc=5) · ACCESS Newswire
- 2024-02-20 [Investor can probe Lakewood bank’s records over jet use by Nuggets superfan “Red Pant Man,” judge says - The Denver Post](https://news.google.com/rss/articles/CBMiigFBVV95cUxPLUxoalRqTThsZ1prcWEtLXhGdlI0dGl1MTljb2ItRUdhdHpaV3R0cHVGbEZhMWFPa1lHNlhESHN2YVhwUmJ4M0xRdVdWcGljS0FJTnFnV1pMRmhmd2UxTkZhLTUxWXRnMFlaTXYwd2lMZXB0VHd6UXgxREE5YTREVjU4cGp0UDVCdnc?oc=5) · The Denver Post
- 2014-05-09 [Glass Lewis urges Solera shareholders to vote against activist's board slate - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPV2tkenE1eVZpdDZuVVJqeGJLeXBrWmw2TEs2bTVNMkd0Q2k0Vmp4TkVhU2VzNVUyVmYzbHozWnFkQlNlODlUaE5HWGtPc2NsclZfX0RTa2tJSGF4ak84X05aSy1GQW95OWdGenhTaTFKVGZRVVFuRHVsbWF3WFJDcktsRl9TMy1oWU96UGZPckxmUWJtY1dlanhVaVJvb3VNdnFiek1DSGtsX29aSDMw?oc=5) · The Business Journals
- 2016-08-18 [Solera National Bancorp (SLRK) Stock Price, News & Analysis $SLRK - MarketBeat](https://news.google.com/rss/articles/CBMiW0FVX3lxTE12OVYzYzhnT21SWUxVNkVGd3lHamxlQW5pSkhjeU03clZLQ0RYNGpuSkdxY2VRdHI5UFlNaTNKY2M3eHFzWlBCUDBGX3VTV1c1dTdXb1RVNUdYbk0?oc=5) · MarketBeat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58534 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "58534", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide