Nelnet Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Nelnet Bank of Draper, UT against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.27% | 1.34% | -0.07% | 48th below |
| ROAE | 9.14% | 12.34% | -3.20% | 25th below |
| Net Interest Margin | 2.74% | 3.83% | -1.09% | 8th bottom |
| Efficiency Ratio | 40.04% | 58.97% | -18.93% | 93rd top |
| PPNR / Avg Assets | 1.58% | — | — | 39th below |
| Yield on Earning Assets | 6.06% | 5.71% | +0.35% | 78th top |
| Cost of Funds | 3.83% | 2.02% | +1.81% | 1st bottom |
| Net Interest Spread | 2.00% | — | — | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.17% | 0.87% | +1.30% | 7th bottom |
| NPA / Total Assets | 1.19% | — | — | 16th bottom |
| NCO / Avg Loans | 0.53% | 0.43% | +0.10% | 8th bottom |
| ACL / Total Loans | 1.72% | — | — | 92nd top |
| ACL / NPLs (Coverage) | 79.19% | — | — | 16th bottom |
| Texas Ratio | 0.77% | 5.48% | -4.71% | 86th top |
| Provision / NCO | -12.45% | — | — | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.94% | 11.11% | +4.83% | 95th top |
| Equity / Assets | 15.46% | 11.02% | +4.44% | 94th top |
| TCE / Tangible Assets | 15.46% | — | — | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.66% | 86.99% | -21.33% | 90th top |
| Core Deposit Ratio | 69.69% | 85.57% | -15.88% | 8th bottom |
| Uninsured Deposit Ratio | 1.63% | 33.19% | -31.56% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 69.61% | — | — | 99th top |
| Loan Growth (Y/Y) | 99.91% | — | — | 100th top |
| Deposit Growth (Y/Y) | 63.52% | — | — | 99th top |
See Nelnet Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Nelnet Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Nelnet Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Nelnet Bank peer analysis.