Sallie Mae Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 49.63 percentage points in Q2 2026, from 326.76% to 277.13%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Sallie Mae Bank is 35th of 44 on return on assets, 1.17% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets. Sallie Mae Bank sits 0.12 points lower, at 1.17% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.78% |
| Tier 1 risk-based capital ratio | 11.78% |
| Total risk-based capital ratio | 13.09% |
| Tier 1 leverage ratio | 10.17% |
| Equity capital to assets | 10.19% |
| Tangible equity to tangible assets | 10.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.33% |
| Non-performing assets ratio | 1.72% |
| Net charge-off ratio | 2.13% |
| Texas ratio | 14.70% |
| Allowance for credit losses to loans | 6.45% |
| Reserve coverage of non-performing loans | 277.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 11.49% |
| Net interest margin | 4.95% |
| Efficiency ratio | 41.95% |
| Yield on earning assets | 8.61% |
| Cost of funds | 4.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.90% |
| Core deposits to total deposits | 53.51% |
| Brokered deposits to total deposits | 40.56% |
| Deposits to assets | 71.22% |
| Securities to assets | 6.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.65% | 11.65% | 12.93% | 10.07% | 0.76% |
| Q4 2023 | 12.29% | 12.29% | 13.57% | 10.20% | 3.14% |
| Q1 2024 | 12.26% | 12.26% | 13.55% | 10.17% | 4.37% |
| Q2 2024 | 13.40% | 13.40% | 14.68% | 10.82% | 3.86% |
| Q3 2024 | 11.58% | 11.58% | 12.88% | 10.07% | -0.36% |
| Q4 2024 | 11.33% | 11.33% | 12.62% | 9.75% | 1.63% |
| Q1 2025 | 11.58% | 11.58% | 12.89% | 10.09% | 4.52% |
| Q2 2025 | 11.47% | 11.47% | 12.78% | 10.21% | 1.31% |
| Q3 2025 | 11.27% | 11.27% | 12.58% | 10.40% | 2.15% |
| Q4 2025 | 11.09% | 11.09% | 12.39% | 9.88% | 3.61% |
| Q1 2026 | 12.36% | 12.36% | 13.66% | 10.33% | 4.31% |
| Q2 2026 | 11.78% | 11.78% | 13.09% | 10.17% | 1.17% |
Sallie Mae Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sallie Mae Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)