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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Colorado, the state note

Solera National Bank

Lakewood, Colorado · $1.55B in assets · beside the 11 other the Mountain West banks between $1B and $3B (the state alone holds too few in the band to rank)

The filing

7.7%
Equity / assets
12th of 12
218.1%
CRE / capital
10th of 12
35.9%
CRE / loans
9th of 11

Solera National Bank is the fourth largest of the 12 the Mountain West banks nearest its size between $1B and $3B, with $1.55B in assets at 30 June 2026. Loans are 69.7% of deposits, 3rd of 11 against a median of 86.4%, and equity is 7.7% of assets, the lowest in the cohort. Loans grew +19.2% in the year, 5th of 11, and deposits grew 16.9%; the cohort's median loan growth is +11.4%.

Noncurrent loans are 1.45% of the book, 7th of 11 against a median of 0.49%; 1.48% is 30 to 89 days past due, and the allowance covers them 1.0 times. Commercial real estate is 35.9% of loans, 9th of 11 against a median of 28.0%, and 218% of capital, below the 300% screen, with construction at 58% against the 100% screen.

Return on assets is 1.57%, 6th of 12 against a median of 1.52%, on an efficiency ratio of 49.0%, 6th of 12. Five years ago it was 1.89%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsMountain West banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 11.7% WF Wells Fargo Trust Co. N.A. 95.6% NB Northwest Bank 16.1% QB Quill Bank 14.1% G Gbank 13.0% YB Yellowstone Bank 12.7% IB Independence Bank 12.1% TA Transportation Alliance Bank D 11.3% IF Idaho First Bank 10.5% CN Column National Association 9.9% FF First FSB of Twin Falls 9.7% FB Fortis Bank 8.6% SN Solera National Bank 7.7%
Loans, year over yearMountain West banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +11.4% CN Column National Association +70.4% IF Idaho First Bank +48.8% QB Quill Bank +31.3% G Gbank +19.8% SN Solera National Bank +19.2% IB Independence Bank +11.4% YB Yellowstone Bank +6.4% FB Fortis Bank +3.6% FF First FSB of Twin Falls +0.6% TA Transportation Alliance Bank D -4.4% NB Northwest Bank -6.2%

SBA 7(a), FY2008 to FY2026

Solera National Bank is the 88th largest 7(a) lender into Colorado of 401, with $19M across 22 loans, 0.1% of everything approved in the state (Wells Fargo Bank National Association leads with $1.20B). 8 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Colorado, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Jefferson, CO$11M37th of 1830.7%quiet FY2014
Arapahoe, CO$3M75th of 1660.2%thin
Denver, CO$3M80th of 1930.1%quiet FY2020
Douglas, CO$2M81st of 1560.2%quiet FY2013
Hays, TX$835K78th of 1230.2%quiet FY2013
Pinal, AZ$600K60th of 850.2%quiet FY2012
Routt, CO$600K17th of 251.6%quiet FY2012
Maricopa, AZ$600K239th of 3030.0%quiet FY2013
El Paso, CO$25K163rd of 1640.0%quiet FY2013
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade12$11M52.0%0.02%460th of 2,589
Health care & social assistance6$4M20.3%0.01%608th of 2,172
Arts, entertainment & recreation1$3M14.9%0.02%468th of 1,656
Other services4$2M11.1%0.01%823rd of 2,248
Accommodation & food services1$330K1.6%0.00%2073rd of 2,596
7(a) lenders into Colorado, share of approvals since FY2008401 lenders on record; the ten largest and Solera National Bank
WF Wells Fargo Bank National Associa… 9.6% $1.20B · 3,930 loans LO Live Oak Banking Company 7.6% $950M · 765 loans UB U.S. Bank, National Association 4.2% $527M · 3,267 loans HB Hanmi Bank 4.1% $513M · 612 loans SB Southstate Bank, National Associa… 3.3% $415M · 564 loans BB BMO Bank National Association 3.2% $398M · 568 loans Bo Bank of Hope 3.1% $393M · 559 loans KN KeyBank National Association 3.1% $384M · 1,029 loans JC JPMorgan Chase Bank, National Ass… 2.9% $364M · 1,874 loans TH The Huntington National Bank 2.9% $363M · 1,157 loans SN Solera National Bank 0.1% $19M · 22 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, Solera National Bank among them; owner-occupied excluded; bold marks a screen met
Solera National BankRankCohort median
Total CRE against capital, the 300% screen218%10th of 12165%
Construction against capital, the 100% screen58%10th of 1247%
Construction and land development, share of loans9.5%7th of 118.8%
Non-owner-occupied nonfarm nonresidential, share of loans17.0%6th of 1117.0%
Total CRE, the guidance definition, share of loans35.9%9th of 1128.0%
CRE growth over 36 months, the third prong+14.8%4th of 11+36.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Column National Association$1.77B5.0%38.9%0.06%-0.24%0.6%23.4%9.9%
Transportation Alliance Bank D$1.59B1.1%61.1%1.79%2.23%1.5%90.9%11.3%
Quill Bank$1.56B5.2%32.4%2.54%5.93%3.9%96.7%14.1%
Solera National Bank$1.55B1.6%49.0%1.45%0.05%1.5%69.7%7.7%
Northwest Bank$1.45B1.5%55.1%3.79%0.89%1.5%78.4%16.1%
Gbank$1.43B1.3%60.1%4.96%0.48%1.1%90.0%13.0%
First FSB of Twin Falls$1.42B1.3%67.8%0.01%0.01%1.0%86.4%9.7%
Independence Bank$1.39B1.9%41.7%0.46%0.00%1.3%92.4%12.1%
Idaho First Bank$1.36B0.9%52.8%0.05%0.12%1.2%78.2%10.5%
Fortis Bank$1.35B0.7%75.9%0.49%0.03%0.9%95.3%8.6%
Yellowstone Bank$1.34B3.0%31.2%0.01%0.00%0.6%67.0%12.7%
Wells Fargo Trust Co. N.A.$1.33B2.0%3.9%no recordno recordno recordno record95.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Solera National BankCohort median
20212026Change20212026Change
Loans$422M$900M+113%$573M$1.00B+75%
Deposits$468M$1.29B+176%$649M$1.22B+87%
NPA / loans1.89%1.45%-0.44 pts0.35%0.49%+0.13 pts
Efficiency33.2%49.0%+15.9 pts57.2%50.9%-6.3 pts
ROA1.89%1.57%-0.32 pts1.59%1.52%-0.07 pts

This read was prepared for Solera National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Solera National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks $1B to $3B
Institution www.solerabank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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