TellerScore

Headquartered in Lakewood, Colorado, Solera National Bank is a national bank with $1.6B in total assets and $1.3B in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 2007.

Solera National Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 897 banks with $1 billion – $10 billion. Among 63 banks headquartered in Colorado, it ranks 50th. Funding & liquidity contributes the most (91/100, 69% loans-to-deposits, 16% uninsured); capital cushion contributes the least (36/100, 8.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.63%
Loan quality52/100
Noncurrent loans ÷ total loans: 1.45%
Earnings88/100
Return on assets (annualized): 1.71%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 68.6% · 16.0% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.48%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (73 → 63), mostly because the loan quality component weakened by 24 points.

TellerScore
636974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202466
Q4 202469
Q1 202571
Q2 202573
Q3 202570
Q4 202574
Q1 202671
Q2 202663
Tier 1 leverage ratio
5.00%7.72%10.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.91%
Q3 20248.64%
Q4 20249.32%
Q1 20259.80%
Q2 20259.52%
Q3 202510.43%
Q4 20259.79%
Q1 20269.02%
Q2 20268.63%
Noncurrent loans
0.58%1.01%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.58%
Q3 20240.76%
Q4 20240.65%
Q1 20250.73%
Q2 20250.73%
Q3 20251.39%
Q4 20250.67%
Q1 20260.65%
Q2 20261.45%
Return on assets
1.18%1.57%1.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.18%
Q3 20241.40%
Q4 20241.50%
Q1 20251.65%
Q2 20251.82%
Q3 20251.97%
Q4 20251.86%
Q1 20261.71%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$1.6B8.63%1.45%1.71%68.6%
Q1 202671$1.6B9.02%0.65%1.71%73.2%
Q4 202574$1.6B9.79%0.67%1.86%72.6%
Q3 202570$1.2B10.43%1.39%1.97%73.8%
Q2 202573$1.2B9.52%0.73%1.82%67.3%
Q1 202571$1.1B9.80%0.73%1.65%82.3%
Q4 202469$1.2B9.32%0.65%1.50%83.6%
Q3 202466$1.2B8.64%0.76%1.40%77.3%
Q2 202463$1.2B7.91%0.58%1.18%83.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.63%
7th
Total risk-based capital0.00%
13th
Problem loans1.45%
17th
Net charge-offs0.06%
41st
Return on assets1.71%
79th
Net interest margin3.39%
30th
Efficiency ratio49.0%
79th
Loans to deposits68.6%
86th
Uninsured deposits16.0%
89th
Loan-loss reserves1.51%
87th
Texas ratio10.5%
15th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Fortis BankBank Denver, CO58 out of 100, Moderate$1.4B9.0%0.49%vs
Colorado Federal Savings BankBank Greenwood Village, CO63 out of 100, Moderate$2.3B10.5%0.50%vs
ANB BankBank Denver, CO64 out of 100, Moderate$2.9B9.5%0.37%vs
First Western Trust BankBank Denver, CO58 out of 100, Moderate$3.2B9.2%0.60%vs
Alpine BankBank Glenwood Springs, CO73 out of 100, Strong$6.7B11.0%0.31%vs
Bank of ColoradoBank Fort Collins, CO74 out of 100, Strong$7.6B10.5%0.10%vs

Deposit insurance

Is my money safe at Solera National Bank?

Yes. Solera National Bank is an FDIC-insured institution (FDIC certificate #58534). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.0% of deposits ($206.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Solera National Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Solera National Bank reported 47 home-loan applications under HMDA (LEI 549300DZIK106MY5NI60): 44 originated ($7,750,000 total), 0 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Solera National Bank
Type
National bank
FDIC certificate #
58534
RSSD ID
3397233
Primary regulator
OCC
Holding company
Solera National Bcorp Inc
Established
September 10, 2007
Headquarters
319 S Sheridan Blvd, Lakewood, CO 80226
Employees
69

Quick answers

Solera National Bank: common questions

Is Solera National Bank FDIC insured?

Yes. Solera National Bank is an FDIC-insured institution (FDIC certificate #58534). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Solera National Bank's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Solera National Bank ever failed?

There is no failure record for FDIC certificate #58534 in the FDIC failed bank list.

How many branches does Solera National Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lakewood

InstitutionScoreAssetsCapitalProblem loansCompare
AMG National Trust BankBank Boulder, CO94 out of 100, Very strong$722.9M15.4%0.04%vs
Star Tech Federal Credit UnionCredit union Greenwood Villa, CO91 out of 100, Very strong$11.1M22.2%0.38%vs
Denver Fire Department Federal Credit UnionCredit union Denver, CO89 out of 100, Very strong$213.5M14.2%0.09%vs
5Star BankBank Colorado Springs, CO87 out of 100, Very strong$378.2M17.2%0.16%vs
Transact Bank, National AssociationBank Denver, CO86 out of 100, Very strong$6.5M16.3%0.00%vs
Affidian Federal Credit UnionCredit union Denver, CO85 out of 100, Very strong$360.1M18.9%0.85%vs