Sallie Mae Bank
Salt Lake City, UT · Cert 58177 · Peer group: banks over $10B in assets (n=142-144)
State charter, non-member · FDIC · 1 branch
Q2 2026
$28.5BAssets
$21.1BLoans
$20.3BDeposits
$2.9BEquity
Executive Summary
- Strongest standing: return on assets outperforms 97% of banks over $10B in assets (rank 5 of 144).
- Widest gap: net charge-offs / loans trails 93% of banks over $10B in assets (rank 133 of 142).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
2.83%
Rank 5 of 144
Net Interest Margin
5.08%
Rank 13 of 144
Efficiency Ratio
32.99%
Rank 12 of 144
Equity / Assets
10.19%
Rank 95 of 144
Non-interest income vs. expense
Unfavorable gap of $159.5M · efficiency ratio beats 92% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.83% | 1.00% | 1.26% | 1.54% | Beats 97% | 5 / 144 | |
| Return on Equity | 27.81% | 8.98% | 11.34% | 14.40% | Beats 97% | 5 / 144 | |
| Net Interest Margin | 5.08% | 2.82% | 3.31% | 3.68% | Beats 91% | 13 / 144 | |
| Efficiency Ratio | 32.99% | 49.42% | 56.02% | 62.41% | Beats 92% | 12 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.48% | 0.73% | 1.07% | Beats 58% | 61 / 142 | |
| Net Charge-Offs / Loans | 1.07% | 0.05% | 0.11% | 0.22% | Beats 7% | 133 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 11.78% | 12.07% | 12.98% | 14.92% | Beats 16% | 121 / 144 | |
| Total Risk-Based Capital Ratio | 13.09% | 13.39% | 14.14% | 16.25% | Beats 17% | 120 / 144 | |
| Equity / Assets | 10.19% | 9.69% | 11.39% | 12.96% | Beats 34% | 95 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 103.90% | 75.72% | 84.92% | 91.56% | 93rd pctl | 10 / 143 | |
| Loans / Assets | 74.00% | 59.83% | 69.07% | 74.80% | 70th pctl | 43 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |