Solera National Bank
Lakewood, Colorado · FDIC Cert #58534
Solera National Bank is an FDIC-insured bank (Certificate #58534) with $1.2B in total assets and $942M in total deposits as of the Q2 2024 Call Report. Headquartered in Lakewood, Colorado, the bank maintains a Tier 1 capital ratio of 10.84% (Well-Capitalized) and a nonperforming loan ratio of 0.58%. BankHealthData assigns a composite Health Grade of A (84/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Solera National Bank (FDIC cert 58534) is a mid-sized bank with $1.2B in total assets and $942M in deposits, based in Lakewood, Colorado. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 10.84% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.58% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 31.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.62% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Solera National Bank carries a composite BankHealth grade of A (84/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Solera National Bank
- Total Assets
- $1.2B
- Total Deposits
- $942M
- Tier 1 Capital Ratio
- 10.84%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.58%
- Liquidity Ratio
- 31.37%
- Return on Assets
- 1.62%
- Headquarters
- Lakewood, Colorado
- FDIC Certificate
- #58534
- Health Grade
- A (84/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Solera National Bank holds a Tier 1 capital ratio of 10.84%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Solera National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Solera National Bank shows strong financial health indicators. With $1.2B in assets and a Health Score of 84/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Solera National Bank Compares
Solera National Bank’s Health Score of 84 is 13 points above the Colorado state average of 71 across 62 FDIC-insured banks. Its 10.84% Tier 1 capital ratio is 3.2 points below the US banking industry average near 14%. The 0.58% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.62% is in line with or above the national ROA benchmark of ~1.1%. Among 885 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Solera National Bank is 14 points above the portfolio average of 70.
Frequently Asked Questions
Solera National Bank has a Bank Health Score of A (84/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 10.84%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Solera National Bank's Tier 1 capital ratio of 10.84% and nonperforming loan ratio of 0.58% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Solera National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58534). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Solera National Bank holds $1.2B in total assets and $942M in total deposits. It is headquartered in Lakewood, Colorado (FDIC Certificate #58534).
Solera National Bank has a Tier 1 capital ratio of 10.84%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.58%, and the return on assets is 1.62%.
Yes. Solera National Bank is FDIC-insured (Certificate #58534). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Solera National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.