Sallie Mae Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 15.1% in Q2 2026, from -$38.0M to -$43.8M. It was the largest change from Q1 2026 among the key lines here. Sallie Mae Bank has the 3rd lowest CET1 ratio of the 28 banks headquartered in Utah, at 11.78% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Sallie Mae Bank sits 1.17 points lower, at 11.78% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.78% |
| Tier 1 risk-based capital ratio | 11.78% |
| Total risk-based capital ratio | 13.09% |
| Tier 1 leverage ratio | 10.17% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.95B |
| Tier 1 capital | $2.95B |
| Total risk-based capital | $3.28B |
| Total equity capital | $2.91B |
| Risk-weighted assets | $25.04B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.19% |
| Tangible equity to tangible assets | 10.19% |
| Equity capital to average assets | 10.02% |
| Internal capital growth rate | -15.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $2.04B |
| Retained earnings | $915.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$43.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.65% | 11.65% | 12.93% | 10.07% | $25.19B |
| Q4 2023 | 12.29% | 12.29% | 13.57% | 10.20% | $24.57B |
| Q1 2024 | 12.26% | 12.26% | 13.55% | 10.17% | $24.29B |
| Q2 2024 | 13.40% | 13.40% | 14.68% | 10.82% | $23.31B |
| Q3 2024 | 11.58% | 11.58% | 12.88% | 10.07% | $25.77B |
| Q4 2024 | 11.33% | 11.33% | 12.62% | 9.75% | $26.10B |
| Q1 2025 | 11.58% | 11.58% | 12.89% | 10.09% | $25.83B |
| Q2 2025 | 11.47% | 11.47% | 12.78% | 10.21% | $26.15B |
| Q3 2025 | 11.27% | 11.27% | 12.58% | 10.40% | $27.17B |
| Q4 2025 | 11.09% | 11.09% | 12.39% | 9.88% | $26.42B |
| Q1 2026 | 12.36% | 12.36% | 13.66% | 10.33% | $24.75B |
| Q2 2026 | 11.78% | 11.78% | 13.09% | 10.17% | $25.04B |
Sallie Mae Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sallie Mae Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sallie Mae Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58177) · FFIEC NIC profile (RSSD 3394278)