Sallie Mae Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sallie Mae Bank of Salt Lake City, UT against its peer group of 134 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 | 1.17% | 1.35% | -0.18% | 39th below |
| ROAE Behind the peer average, ahead of the median peer. | 11.49% | 12.29% | -0.80% | 54th above |
| Net Interest Margin | 4.95% | 3.67% | +1.28% | 93rd top |
| Efficiency Ratio | 41.95% | 53.90% | -11.95% | 87th top |
| PPNR / Avg Assets | 3.32% | 1.95% | +1.37% | 93rd top |
| Yield on Earning Assets | 8.61% | 5.55% | +3.06% | 95th top |
| Cost of Funds | 4.01% | 1.98% | +2.03% | 1st bottom |
| Net Interest Spread | 4.58% | 2.97% | +1.61% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.33% | 1.04% | +1.29% | 5th bottom |
| NPA / Total Assets | 1.72% | 0.75% | +0.97% | 4th bottom |
| NCO / Avg Loans | 2.13% | 0.35% | +1.78% | 3rd bottom |
| ACL / Total Loans | 6.45% | 1.34% | +5.11% | 98th top |
| ACL / NPLs (Coverage) | 277.13% | 209.45% | +67.68% | 82nd top |
| Texas Ratio | 14.70% | 10.21% | +4.49% | 11th bottom |
| Provision / NCO | 62.16% | 107.76% | -45.60% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.78% | 14.77% | -2.99% | 17th bottom |
| Tier 1 Ratio | 11.78% | 14.88% | -3.10% | 16th bottom |
| Total Capital Ratio | 13.09% | 16.10% | -3.01% | 18th bottom |
| Leverage Ratio | 10.17% | 10.27% | -0.10% | 47th below |
| Equity / Assets | 10.19% | 11.56% | -1.37% | 31st below |
| TCE / Tangible Assets | 10.19% | 9.47% | +0.72% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.90% | 83.74% | +20.16% | 6th bottom |
| Core Deposit Ratio | 53.51% | 87.00% | -33.49% | 3rd bottom |
| Uninsured Deposit Ratio | 7.15% | 39.17% | -32.02% | 93rd top |
| Wholesale Funding Ratio | 17.01% | 5.56% | +11.45% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.41% | 10.18% | -13.59% | 6th bottom |
| Loan Growth (Y/Y) | -6.96% | 10.25% | -17.21% | 4th bottom |
| Deposit Growth (Y/Y) | -2.34% | 10.03% | -12.37% | 8th bottom |
See Sallie Mae Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sallie Mae 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 Sallie Mae Bank profile, how to read a UBPR, or how this data updates.