SOLERA NATIONAL BANCORP, INC. OTCBB: SLRK $2.90 July 27, 2011 FACT SHEET 2Q11 Highlights ) Trading at 41% of tangible book value, SLRK represents a strong value. With no intangible assets, shareholder equity is $19.2 million, or $7.11 per share. ) Net interest margin increased 19 basis points to 3.23% in the first six months of 2011, from 3.04% in same period a year ago. ) Capital ratios exceeded all regulatory requirements for well-capitalized institutions, with total risk-based capital to risk-adjusted assets of 19.7% compared to 18.6% a year earlier. ) Core deposits, excluding time certificates, increased 11% year-over-year to $75.1 million at June 30, 2011, and accounted for 66% of total deposits. ) Non-performing assets declined to only 1.68% of total assets at the end of June from 3.24% at the end of March 2011. ) Reserves remain strong at 2.18% of total loans at June 30, 2011. ) All branch team members speak both English and Spanish to serve the growing and diverse Hispanic population of Denver. “With our solid balance sheet, strong liquidity, and our focus on the rapidly growing small business markets, we are poised to grow the loan portfolio and to capitalize on the eventual economic recovery.” Douglas Crichfield, CEO ABOUT SOLERA NATIONAL BANCORP, INC. Founded in 2007, Solera National Bank, a wholly-owned subsidiary of Solera National Bancorp, Inc., was organized to serve the multi-ethnic population of the greater Denver market. We pride ourselves in delivering personalized customer service — welcoming, inclusive and respectful — combined with leading edge banking capabilities. We are also actively involved in our communities. Located in the heart of the Denver MSA, Solera’s market is strong and vibrant. Within a three mile radius of our headquarters, there are: ) 7,250 businesses ) 97,000 employees ) 52% Hispanic households ) 198,000 residents ) 140,000 vehicles pass by the branch intersection daily. Data from SNL Analytics

SOLERA NATIONAL BANCORP, INC. Financial Highlights: SLRK Income Statement For the Three Month Period Ended: ($ in thousands, except share data) 30-Jun-11 31-Mar-11 30-Jun-10 Interest Income $ 1,503 $ 1,507 $ 1,607 Interest Expense Net Interest Income 406 430 563 1,097 1,077 1,044 Provision for Loan Losses Net Interest Income after Provision 120 - 180 977 1,077 864 Noninterest Income 19 18 19 Realized Gain (Loss) on Securities 225 (2) 268 Noninterest Expense Net Income (Loss) Per Common Share Data 1,121 1,276 1,043 $ 100 $ (183) $ 108 Diluted Earnings (Loss) per Share $ 0.04 $ (0.07) $ 0.04 Common Shares Outstanding 2,553,671 2,553,671 2,553,671 Tangible Book Value per Share $ 7.11 $ 7.05 $ 7.08 Balance Sheet Data For the Period Ended: ($ in thousands) 30-Jun-11 31-Mar-11 30-Jun-10 Total Assets $ 140,178 $ 139,757 $ 140,324 Total Loans, excluding deferred costs $ 58,944 $ 58,199 $ 60,768 Total Deposits $ 113,493 $ 114,452 $ 112,345 Total Stockholders’ Equity $ 19,230 $ 18,278 $ 20,127 Capital Ratios Tier 1 Capital Ratio 18.4% 17.5% 17.5% Risk-based Capital Ratio 19.7% 18.7% 18.6% Leverage Ratio 11.3% 11.3% 11.1% SLRK Stock Data For 2Q 2011 Recent Price (7/27/11) $2.90 Shares Outstanding 2.6M Market Cap $7.4M Book Value per Share* $7.11 Price/Book 41% Tangible Equity/Assets* 12.95% Reserves/Loans 2.18% NPAs/Assets 1.68% 52 week High $4.50 52 week Low $2.75 Net Interest Margin 3.25% * excludes accumulated other comprehensive income. GROSS LOAN PORTFOLIO $59.0 Million at June 30, 2011 RE - Commercial (owner-occupied) 33% RE - Lease Residential Financing 2% Construction 14% Consumer n/a & Land Development 2% J Commercial & Industrial 14% RE - Commercial 35% TOTAL DEPOSIT MIX $113.5 Million at June 30, 2011 Demand, noninterest-bearing 2% Savings accounts 46% Time deposits Money market 8% Demand interest-bearing 10% 34% SOLERA NATIONAL BANCORP, INC. 319 South Sheridan Boulevard Lakewood, CO 80226 The Cereghino Group Corporate Investor Relations 206.388.5785 www.stockvalues.com The company described in this report is a client of The Cereghino Group, a securities industry relations firm. This report was prepared using information obtained from the client company’s management and from publications available to the general public. This report does not purport to be a complete statement of all material facts related to the company mentioned herein and is not to be construed as a recommendation or solicitation to buy or sell securities of the company described herein. Upon receiving a written request sent to 1809 7th Ave., Ste. 1414, Seattle, WA 98101, The Cereghino Group will provide a complete package of detailed information on the client company to any interested securities industry professional or stockholder of the client company. The Cereghino Group is compensated by the client company for services rendered on a continuing basis and consequently, the amount of such compensation related to the preparation and distribution of this report is not separately determinable. The Cereghino Group and/or its employees and/or members of their families, may have a long position in the securities of the company described herein. 303.209.8600 ph 303.202.0936 fax www.solerabank.com