Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
319 South Sheridan Boulevard
Lakewood, CO 80226

Solera National Bank is headquartered in Lakewood and is the 50th largest bank in the state of Colorado. It is also the 3,437th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 74 employees at 1 location. Solera National Bank has a A health rating.

Related Posts

Reviews (2)

Wrong APY On Bank's Website

They changed APY on 11-18 to 1.25% for Foundation, Traditional & Mi Patria Savings  acc's, but their website still shows 1.4% as of today, 11-23.

Do not trust rates published on their website, always call for a confirmation!

Greatest Bank In Colorado

Great Bank to bank at. I love the girls that work their teller line. 100% customer service. It's a great atmosphere and everyone is always happy and in a great mood.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Solera National Bank had $1.75 million in non-current loans and owned real-estate with $16.92 million in equity and loan loss allowances on hand to cover it. This gives Solera National Bank a Texas Ratio of 10.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Solera National Bank decreased slightly from 12.59% as of March 31, 2013 to 10.32% as of March 31, 2014, resulting in a positive change of 18.03%.This indicates that the balance sheet and financial strength for Solera National Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Solera National Bank has increased its total deposits by $8.3 million, resulting in 6.61% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Solera National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Solera National Bank has $168.12 million in assets with $16.92 million in equity, resulting in a capitalization level of 10.06%, which is above average.

Institution Statistics

FDIC Certificate #58534
Year Established2007
Primary RegulatorOCC
Assets and Liabilities
Assets$168.12 million
Loans$89.19 million
Deposits$133.89 million
Equity Capital$15.79 million
Loan Loss Allowance$1.13 million
Real Estate Owned$1.75 million
Historic Data - March 2013
Assets$169.24 million
Equity Capital$18.21 million
Loan Loss Allowance$1.07 million
Unbacked Noncurrent Loans$0
Real Estate Owned$1.78 million
Profit Margin - Quarterly
Net Interest Margin3.31%
Return on Assets-0.37%
Return on Equity-4.09%
Interest Income$1.61 million

Always verify rates and promotions with the bank or credit union. We are not Solera National Bank, we are a rate comparison website and can not provide official rates or promotions.

Solera National Bank Savings Account Rates

0.55%$250k-Traditional Savings
0.55%$250k-Mi Patria Savings Account
0.55%$250k-Discovery Youth Savings Account
0.55%$250k-IRA Savings Account
0.50%$250k-Foundation Savings
0.20%--Health Savings Account

Solera National Bank Money Market Rates

0.45%$100k-Bridgebuilder Money Market
0.45%$100k-Milestone Money Market

Solera National Bank Checking Account Rates

0.55%$250k-Innovations Checking
0.20%--Harvest Checking
0.10%--Step-up Checking
0.10%$100-Progressive Business Checking

Solera National Bank CD Rates

1.65%$1k-5 Year CD
1.65%$1k-5 Year Business CD
1.50%$1k-4 Year CD
1.50%$1k-4 Year Business CD
1.00%$1k-3 Year CD
1.00%$1k-3 Year Business CD
0.90%$1k-3 Year Step Up CD
0.90%$1k-3 Year Business Step Up CD
0.65%$1k-30 Month CD
0.65%$1k-30 Month Business CD
0.60%$1k-2 Year CD
0.60%$1k-2 Year Opportunity CD
0.60%$1k-2 Year Business CD
0.55%$1k-2 Year Step Up CD
0.50%$1k-18 Month CD
0.50%$1k-18 Month Business CD
0.50%$1k-2 Year Business Step Up CD
0.45%$1k-1 Year CD
0.45%$1k-1 Year Opportunity CD
0.45%$1k-1 Year Business CD
0.40%$1k-6 Month CD
0.40%$1k-1 Year Step Up CD
0.40%$1k-6 Month Business CD
0.40%$1k-1 Year Business Step Up CD
0.25%$1k-3 Month CD
0.25%$1k-3 Month Business CD

Solera National Bank IRA Rates

0.60%$500-2 Year Opportunity IRA
0.45%$500-1 Year Opportunity IRA

Solera National Bank Locations
Solera National Bank319 South Sheridan BoulevardLakewood, CO 80226