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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Solera National Bancorp (SLRK) investor relations material
Solera National Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Achieved record net income of $5.9 million ($1.38 per share) for Q2 2025, up 40% year-over-year.
Pre-tax and pre-provision income reached $8.6 million, a 48% increase from Q2 2024.
Recognized as #3 among 2025 Top-Performing Banks with under $2B in assets by American Banker.
Financial highlights
Net interest income rose by $726,000 (11%) compared to Q2 2024.
Non-interest income surged 205% year-over-year to $3.7 million.
Return on assets improved to 2.02%, up 66 bps from Q2 2024.
Return on equity increased to 25.92%, a 549 bps improvement year-over-year.
Efficiency ratio stood at 47.58% for Q2 2025.
Key financial ratios and metrics
Net interest margin was 3.56% for Q2 2025.
Cost of funds at 2.66% for the quarter.
Leverage ratio at 9.8% as of June 30, 2025.
Allowance for loan losses to gross traditional loans at 1.49%.
Non-performing loans to gross loans at 0.60%; non-performing assets to total assets at 0.37%.
Non-interest income sustainability outlook?
Drivers of increased criticized loans?
Impact of deposit mix on cost of funds?
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Next Solera National Bancorp earnings date
Q3 202524 Oct, 2025
Next Solera National Bancorp earnings date
Q3 202524 Oct, 2025
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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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