Sallie Mae Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale dropped 27.0% in Q2 2026, from $232.0M to $169.4M. It was the largest change from Q1 2026 among the key lines here. Within Utah, Sallie Mae Bank is 12th of 44 on loan-to-deposit ratio, 103.90% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Sallie Mae Bank sits 17.07 points higher, at 103.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $21.12B |
| Net loans and leases | $19.76B |
| Loans held for sale | $169.4M |
| Loans to total assets | 74.00% |
| Loan-to-deposit ratio | 103.90% |
| Net loans to equity capital | 6.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 99.89% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.54% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 10.25% |
| Interest income on loans | $542.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $22.35B | $21.75B | 0.00% | 0.00% | 99.90% |
| Q4 2023 | $21.68B | $21.89B | 0.00% | 0.00% | 99.90% |
| Q1 2024 | $21.60B | $21.21B | 0.00% | 0.00% | 99.89% |
| Q2 2024 | $20.23B | $21.07B | 0.00% | 0.00% | 99.88% |
| Q3 2024 | $22.42B | $21.70B | 0.00% | 0.00% | 99.89% |
| Q4 2024 | $22.40B | $21.46B | 0.00% | 0.00% | 99.90% |
| Q1 2025 | $22.61B | $20.43B | 0.00% | 0.00% | 99.90% |
| Q2 2025 | $22.70B | $20.81B | 0.00% | 0.00% | 99.90% |
| Q3 2025 | $23.21B | $20.23B | 0.00% | 0.00% | 99.91% |
| Q4 2025 | $22.75B | $21.52B | 0.00% | 0.00% | 99.90% |
| Q1 2026 | $21.57B | $20.82B | 0.00% | 0.00% | 99.89% |
| Q2 2026 | $21.12B | $20.33B | 0.00% | 0.00% | 99.89% |
Sallie Mae Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sallie Mae Bank, freeSource: Call Report Schedule RC-C, 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)