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Solera National Bancorp (SLRK) investor relations material

Solera National Bancorp Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary28 Oct, 2025

Executive summary

  • Achieved record net income of $6.5 million ($1.52 per share) for Q3 2025, up 19% year-over-year.

  • Pre-tax and pre-provision income reached $8.5 million.

  • Enhanced digital banking services and completed major data aggregator integrations.

  • Strengthened presence in self-directed retirement accounts and alternative investments.

Financial highlights

  • Net income increased by $1.0 million from Q3 2024.

  • Non-interest income rose 67% year-over-year to $4.0 million.

  • Return on assets improved to 2.17%, and return on equity to 26.46%.

  • Net interest income for Q3 2025 was $10.2 million.

  • Tangible book value per share increased to $24.51.

Outlook and guidance

  • Focus on expanding business banking and digital product offerings.

  • Continued commitment to supporting clients in alternative asset investments.

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Frequently asked questions

Solera National Bancorp Inc. is the holding company for Solera National Bank, providing a range of banking and financial services primarily tailored to small businesses, professionals, and individuals. The bank offers personal and business banking solutions, including checking and savings accounts, commercial and consumer loans, and credit services. The company is headquartered in Lakewood, Colorado, and its shares are listed on the OTCQX.

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