Solera National Bancorp Inc
Solera National Bancorp, Inc. operates as the bank holding company for Solera National Bank, which provides commercial and consumer banking services in the United States. The company offers checking and savings accounts, money market accounts, time and demand deposits, and individual retirement accounts (IRA), as well as certificates of deposit; and real estate secured loans, construction loans, … Read more
Solera National Bancorp Inc (SLRK) - Net Assets
Latest net assets as of June 2025: $92.34 Million USD
Based on the latest financial reports, Solera National Bancorp Inc (SLRK) has net assets worth $92.34 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.24 Billion) and total liabilities ($1.15 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $92.34 Million |
| % of Total Assets | 7.45% |
| Annual Growth Rate | 8.91% |
| 5-Year Change | 85.21% |
| 10-Year Change | 348.43% |
| Growth Volatility | 15.52 |
Solera National Bancorp Inc - Net Assets Trend (2007–2024)
This chart illustrates how Solera National Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Solera National Bancorp Inc (2007–2024)
The table below shows the annual net assets of Solera National Bancorp Inc from 2007 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $88.95 Million | +11.84% |
| 2023-12-31 | $79.54 Million | +37.78% |
| 2022-12-31 | $57.73 Million | -2.04% |
| 2021-12-31 | $58.93 Million | +22.69% |
| 2020-12-31 | $48.03 Million | +18.50% |
| 2019-12-31 | $40.53 Million | +14.22% |
| 2018-12-31 | $35.48 Million | +48.91% |
| 2017-12-31 | $23.83 Million | +3.28% |
| 2016-12-31 | $23.07 Million | +16.31% |
| 2015-12-31 | $19.84 Million | +7.57% |
| 2014-12-31 | $18.44 Million | +8.64% |
| 2013-12-31 | $16.98 Million | -14.87% |
| 2012-12-31 | $19.94 Million | +4.74% |
| 2011-12-31 | $19.04 Million | +3.90% |
| 2010-12-31 | $18.32 Million | -2.18% |
| 2009-12-31 | $18.73 Million | -1.36% |
| 2008-12-31 | $18.99 Million | -8.91% |
| 2007-12-31 | $20.85 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Solera National Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 7698095500.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $72.45 Million | 81.45% |
| Common Stock | $43.00K | 0.05% |
| Other Comprehensive Income | $-22.29 Million | -25.06% |
| Other Components | $38.75 Million | 43.56% |
| Total Equity | $88.95 Million | 100.00% |
Solera National Bancorp Inc Competitors by Market Cap
The table below lists competitors of Solera National Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Buima Group
TWO:5543
|
$13.79 Million |
|
Watos Corea Co. Ltd
KQ:079000
|
$13.79 Million |
|
Good Drinks Australia Ltd
AU:GDA
|
$13.80 Million |
|
Donaco International Ltd
AU:DNA
|
$13.81 Million |
|
Clinical Laserthermia Systems AB (publ)
ST:CLS-B
|
$13.78 Million |
|
HEBEI YICHEN GRP H YC 05
F:HE2
|
$13.78 Million |
|
Tolins Tyres Ltd
NSE:TOLINS
|
$13.78 Million |
|
Tier One Silver Inc
OTCQB:TSLVF
|
$13.78 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Solera National Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 79,540,000 to 88,955,000, a change of 9,415,000 (11.8%).
- Net income of 18,035,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 8,620,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $18.04 Million | +20.27% |
| Other Comprehensive Income | $-8.62 Million | -9.69% |
| Total Change | $- | 11.84% |
Book Value vs Market Value Analysis
This analysis compares Solera National Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.44x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.03x to 0.44x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2007-12-31 | $8.74 | $9.01 | x |
| 2008-12-31 | $7.06 | $9.01 | x |
| 2009-12-31 | $6.96 | $9.01 | x |
| 2010-12-31 | $6.81 | $9.01 | x |
| 2011-12-31 | $7.08 | $9.01 | x |
| 2012-12-31 | $7.41 | $9.01 | x |
| 2013-12-31 | $6.15 | $9.01 | x |
| 2014-12-31 | $6.94 | $9.01 | x |
| 2015-12-31 | $7.28 | $9.01 | x |
| 2016-12-31 | $8.46 | $9.01 | x |
| 2017-12-31 | $8.66 | $9.01 | x |
| 2018-12-31 | $9.78 | $9.01 | x |
| 2019-12-31 | $9.73 | $9.01 | x |
| 2020-12-31 | $11.44 | $9.01 | x |
| 2021-12-31 | $13.71 | $9.01 | x |
| 2022-12-31 | $13.50 | $9.01 | x |
| 2023-12-31 | $18.50 | $9.01 | x |
| 2024-12-31 | $20.69 | $9.01 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Solera National Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 20.27%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 23.97%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 13.15x
- Recent ROE (20.27%) is above the historical average (6.15%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2007 | -11.67% | -507.90% | 0.02x | 1.27x | $-4.52 Million |
| 2008 | -11.66% | -92.91% | 0.04x | 3.57x | $-4.11 Million |
| 2009 | -6.81% | -22.49% | 0.04x | 7.09x | $-3.15 Million |
| 2010 | 0.73% | 1.71% | 0.06x | 7.65x | $-1.70 Million |
| 2011 | 1.27% | 3.63% | 0.05x | 7.64x | $-1.66 Million |
| 2012 | 1.41% | 4.40% | 0.04x | 7.72x | $-1.71 Million |
| 2013 | -3.86% | -4.96% | 0.08x | 10.00x | $-2.35 Million |
| 2014 | -2.35% | -4.59% | 0.07x | 7.85x | $-2.28 Million |
| 2015 | 8.96% | 29.21% | 0.04x | 7.36x | $-205.70K |
| 2016 | 13.55% | 52.13% | 0.04x | 6.77x | $819.80K |
| 2017 | 2.14% | 7.81% | 0.04x | 7.30x | $-1.87 Million |
| 2018 | 6.29% | 24.68% | 0.04x | 6.22x | $-1.32 Million |
| 2019 | 8.79% | 31.00% | 0.04x | 6.96x | $-491.00K |
| 2020 | 12.35% | 35.66% | 0.04x | 9.07x | $1.13 Million |
| 2021 | 18.82% | 44.48% | 0.04x | 11.07x | $5.20 Million |
| 2022 | 31.47% | 44.44% | 0.04x | 17.24x | $12.40 Million |
| 2023 | 20.94% | 25.55% | 0.05x | 15.42x | $8.70 Million |
| 2024 | 20.27% | 23.97% | 0.06x | 13.15x | $9.14 Million |
Industry Comparison
This section compares Solera National Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Solera National Bancorp Inc (SLRK) | $92.34 Million | -11.67% | 12.42x | $13.78 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |