Nelnet Bank
Draper, UT · Cert 59205 · Peer group: banks $1B-$10B in assets (n=322-328)
State charter, non-member · FDIC · 1 branch
Q2 2026
$3.0BAssets
$1.6BLoans
$2.5BDeposits
$463.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of banks $1B-$10B in assets (rank 14 of 328).
- Widest gap: net charge-offs / loans trails 92% of banks $1B-$10B in assets (rank 296 of 322).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.04%
Rank 218 of 328
Net Interest Margin
2.58%
Rank 303 of 328
Efficiency Ratio
37.60%
Rank 14 of 328
Equity / Assets
15.46%
Rank 19 of 328
Non-interest income vs. expense
Unfavorable gap of $26.7M · efficiency ratio beats 96% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.91% | 1.22% | 1.52% | Beats 34% | 218 / 328 | |
| Return on Equity | 6.72% | 8.43% | 11.45% | 14.43% | Beats 14% | 282 / 328 | |
| Net Interest Margin | 2.58% | 3.03% | 3.45% | 3.83% | Beats 8% | 303 / 328 | |
| Efficiency Ratio | 37.60% | 51.61% | 59.56% | 67.53% | Beats 96% | 14 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.17% | 0.24% | 0.51% | 1.03% | Beats 9% | 294 / 322 | |
| Net Charge-Offs / Loans | 0.34% | 0.01% | 0.03% | 0.10% | Beats 8% | 296 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 15.94% | 11.75% | 13.15% | 15.47% | Beats 79% | 68 / 328 | |
| Total Risk-Based Capital Ratio | 15.94% | 12.63% | 14.15% | 16.46% | Beats 72% | 92 / 328 | |
| Equity / Assets | 15.46% | 9.15% | 10.33% | 12.01% | Beats 94% | 19 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 65.66% | 76.63% | 87.92% | 95.36% | 11th pctl | 288 / 323 | |
| Loans / Assets | 54.87% | 65.18% | 74.15% | 79.98% | 12th pctl | 290 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |