Solera National Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	25.28	2.38	2.73	3.49	16.12	10.58
Investment Securities	326.25	312.63	375.2	358.17	136.2	54.8
Mortgage-Backed Securities	-	9.89	11.78	14.56	5.75	9.3
Total Investments	326.25	322.52	386.99	372.72	141.95	64.1
Gross Loans	764.43	805.31	800.07	584.03	470.44	344.89
Allowance for Loan Losses	-11.22	-10.91	-9.61	-8.01	-6.45	-4.9
Other Adjustments to Gross Loans	-	-12.55	-12.79	-5.84	-1.82	-2.3
Net Loans	753.22	781.84	777.67	570.19	462.17	337.69
Property, Plant & Equipment	36.91	33.48	28.31	25.44	18.83	13.16
Accrued Interest Receivable	8.15	7.75	7.27	5.83	2.76	1.89
Other Receivables	-	0.14	0.76	2.68	-	-
Long-Term Deferred Tax Assets	-	5.69	2.68	4.18	-	0.18
Other Long-Term Assets	16.26	9.2	9.08	7.87	8.78	7.92
Total Assets	1,169	1,169	1,227	995.32	652.43	435.79
Accounts Payable	6.39	1.65	2.04	1.02	0.82	1.57
Interest Bearing Deposits	568.89	446.26	453.7	324.49	119.57	141.17
Institutional Deposits	-	3.8	4.9	3.3	4.3	5.8
Non-Interest Bearing Deposits	452.97	484.6	511.62	551.99	464.05	235.17
Total Deposits	1,022	934.66	970.22	879.78	587.92	382.15
Short-Term Borrowings	-	106.27	-	-	-	-
Accrued Interest Payable	1.59	3.16	2.68	0.44	0.04	0.05
Federal Home Loan Bank Debt, Long-Term	34	34.7	172.08	56.18	4	4
Long-Term Leases	-	-	0.15	0.18	-	-
Long-Term Deferred Tax Liabilities	-	-	-	-	0.73	-
Total Liabilities	1,064	1,080	1,147	937.59	593.5	387.76
Common Stock	0.04	0.04	0.04	0.04	0.04	0.04
Additional Paid-In Capital	38.79	38.75	38.75	38.75	38.75	38.52
Retained Earnings	89.55	72.46	54.42	37.98	19.81	8.72
Comprehensive Income & Other	-23	-22.29	-13.67	-19.04	0.33	0.75
Shareholders' Equity	105.39	88.96	79.54	57.73	58.93	48.03
Total Liabilities & Equity	1,169	1,169	1,227	995.32	652.43	435.79
Total Debt	34	140.97	172.22	56.35	4	4
Net Cash (Debt)	-6.85	-138.44	-166.91	-51.36	13.38	7.39
Net Cash Growth	-	-	-	-	80.96%	-46.19%
Net Cash Per Share	-1.59	-32.20	-38.82	-12.01	3.11	1.76
Filing Date Shares Outstanding	4.3	4.3	4.3	4.3	4.3	4.28
Total Common Shares Outstanding	4.3	4.3	4.3	4.3	4.3	4.28
Book Value Per Share	24.51	20.69	18.50	13.43	13.70	11.23
Tangible Book Value	105.39	88.96	79.54	57.73	58.93	48.03
Tangible Book Value Per Share	24.51	20.69	18.50	13.43	13.70	11.23

Source: S&P Global Market Intelligence. Banks template. Financial Sources.