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Solera National BancorpSLRK 66 Equity-to-Asset is 0.07 as of Dec. 2025, which is 30% below its 10-year median of 0.10. GuruFocus rates SLRK with a GF Score™ of 66/100 and a GF Value™ of $15.04 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,518 Banks companies, Solera National Bancorp ranks worse than 76.02% on this metric.
Solera National Bancorp (OTCPK:SLRK) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Solera National Bancorp Equity-to-Asset Related Terms
Solera National Bancorp Equity-to-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SLRK vs CIWV, KSBI, IBTN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Solera National Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Solera National Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Solera National Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Solera National Bancorp's Equity-to-Asset falls into.
Solera National Bancorp Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Solera National Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Solera National Bancorp (SLRK) has a Equity-to-Asset of 0.07 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Solera National Bancorp and its competitors. This is 30% below median its historical median of 0.10. Over the past decade, Solera National Bancorp's Equity-to-Asset has ranged from 0.06 to 0.16. According to the industry distribution chart, Solera National Bancorp ranks #1154 out of 1518 companies in the Banks industry, placing it in the top 76%.
Is Solera National Bancorp's Equity-to-Asset too high?
Solera National Bancorp's current Equity-to-Asset of 0.07 is 30% below median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.16. The Banks industry median Equity-to-Asset is 0.10. Solera National Bancorp's value of 0.07 is 30% below this industry median. Based on the distribution chart, Solera National Bancorp ranks #1154 out of 1518 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Solera National Bancorp has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solera National Bancorp's Equity-to-Asset compare to CIWV and KSBI?
According to the Banks industry distribution chart, Solera National Bancorp ranks #1154 out of 1518 companies for Equity-to-Asset. This places Solera National Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Solera National Bancorp's value of 0.07 is 30% below this benchmark. Historically, Solera National Bancorp's own Equity-to-Asset has ranged from 0.06 to 0.16 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Solera National Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solera National Bancorp's current Equity-to-Asset of 0.07 is 30% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Solera National Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solera National Bancorp's current Equity-to-Asset is 0.07, which is 30% below median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solera National Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Solera National Bancorp (SLRK) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.04, compared to a current price of $20.00 — trading 33% above its estimated fair value. The current Equity-to-Asset is 0.07, which is 30% below median its 10-year median of 0.10 and 30% below the Banks industry median of 0.10. Solera National Bancorp's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Solera National Bancorp (SLRK), the current Equity-to-Asset is 0.07 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Solera National Bancorp (SLRK) Overvalued in 2026?
Based on GuruFocus' analysis, Solera National Bancorp stock appears to be overvalued.
The current stock price of $20.00 is trading 33% above its estimated GF Value™ of $15.04.
GuruFocus considers Solera National Bancorp to be Significantly Overvalued.
Key valuation signals for SLRK:
Equity-to-Asset: 0.07 (30% below median its 10-year median of 0.10)
GF Value™: $15.04 vs. price of $20.00 (33% above fair value)
Industry Position: 30% below the Banks median (#1154 of 1518)
No single metric tells the full story. See the SLRK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solera National Bancorp Inc serves as the holding company for Solera National Bank. The bank is a full-service commercial bank offering a broad range of commercial and consumer banking services to small and medium-sized businesses, licensed professionals, and individuals who are particularly responsive to the personalized service that Solera National Bank provides to its customers. It has one operating segment which is Banking. The bank provides a personalized banking experience combined with a broad range of services, customized and tailored to fit the individual needs of its clients.
66GF Score
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