Solera National Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	1.61	2.38	2.73	3.49	16.12
Investment Securities	644.82	312.63	375.2	358.17	136.2
Mortgage-Backed Securities	7.36	9.89	11.78	14.56	5.75
Total Investments	652.17	322.52	386.99	372.72	141.95
Gross Loans	848.71	805.31	800.07	584.03	470.44
Allowance for Loan Losses	-12.23	-10.91	-9.61	-8.01	-6.45
Other Adjustments to Gross Loans	-19.65	-12.55	-12.79	-5.84	-1.82
Net Loans	816.83	781.84	777.67	570.19	462.17
Property, Plant & Equipment	36.47	33.48	28.31	25.44	18.83
Accrued Interest Receivable	12.61	7.75	7.27	5.83	2.76
Other Receivables	-	-	0.76	2.68	-
Long-Term Deferred Tax Assets	5.93	5.69	2.68	4.18	-
Other Long-Term Assets	10.25	9.53	9.08	7.87	8.78
Total Assets	1,551	1,170	1,227	995.32	652.43
Accounts Payable	-	-	2.04	1.02	0.82
Interest Bearing Deposits	609.58	446.26	453.7	324.49	119.57
Institutional Deposits	43.9	3.8	4.9	3.3	4.3
Non-Interest Bearing Deposits	471.44	484.6	511.62	551.99	464.05
Total Deposits	1,125	934.66	970.22	879.78	587.92
Short-Term Borrowings	278.53	-	-	-	-
Accrued Interest Payable	2.54	3.16	2.68	0.44	0.04
Long-Term Debt	0.7	0.7	-	-	-
Federal Home Loan Bank Debt, Long-Term	34	140.27	172.08	56.18	4
Long-Term Leases	-	-	0.15	0.18	-
Long-Term Deferred Tax Liabilities	-	-	-	-	0.73
Other Long-Term Liabilities	3.39	1.83	-	-	-
Total Liabilities	1,444	1,081	1,147	937.59	593.5
Common Stock	0.04	0.04	0.04	0.04	0.04
Additional Paid-In Capital	38.75	38.75	38.75	38.75	38.75
Retained Earnings	95.46	72.46	54.42	37.98	19.81
Comprehensive Income & Other	-27.36	-22.29	-13.67	-19.04	0.33
Shareholders' Equity	106.89	88.96	79.54	57.73	58.93
Total Liabilities & Equity	1,551	1,170	1,227	995.32	652.43
Total Debt	313.23	140.97	172.22	56.35	4
Net Cash (Debt)	-309.91	-138.44	-166.91	-51.36	13.38
Net Cash Growth	-	-	-	-	80.96%
Net Cash Per Share	-72.07	-32.20	-38.82	-12.01	3.11
Filing Date Shares Outstanding	4.3	4.3	4.3	4.3	4.3
Total Common Shares Outstanding	4.3	4.3	4.3	4.3	4.3
Book Value Per Share	24.86	20.69	18.50	13.43	13.70
Tangible Book Value	106.89	88.96	79.54	57.73	58.93
Tangible Book Value Per Share	24.86	20.69	18.50	13.43	13.70

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