| Metric | Nelnet Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +69.6% | +5.5% | +64.1 pts |
| Deposit growth (YoY) | +63.5% | +5.1% | +58.5 pts |
| Loan growth (YoY) | +101.9% | +5.9% | +96.0 pts |
| ROA | 1.23% | 1.26% | -0.0 pts |
| ROE | 8.5% | 12.2% | -3.7 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.00B | $2.51B | $1.62B | $463.5M | $15.6M | 1.23% | 3.05% | 1.19% |
| Q1 2026 | $2.52B | $1.96B | $1.24B | $342.8M | $6.4M | 1.11% | 3.22% | 0.98% |
| Q4 2025 | $2.07B | $1.76B | $930.6M | $294.6M | $13.9M | 0.78% | 3.43% | 0.52% |
| Q3 2025 | $2.00B | $1.73B | $949.3M | $237.9M | $9.2M | 0.71% | 3.35% | 0.66% |
| Q2 2025 | $1.77B | $1.53B | $800.4M | $224.1M | $4.4M | 0.53% | 3.35% | 0.49% |
| Q1 2025 | $1.69B | $1.38B | $743.0M | $189.6M | $3.4M | 0.88% | 3.27% | 0.40% |
| Q4 2024 | $1.45B | $1.25B | $624.9M | $178.5M | $-4.9M | -0.41% | 3.40% | 0.17% |
| Q3 2024 | $1.33B | $1.15B | $548.5M | $151.6M | $-4.9M | -0.57% | 3.21% | 0.21% |
Loan mix (Q2 2026): real estate $38.2M · commercial $11.4M · consumer $1.60B · securities $1.27B
| Ratio | Nelnet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.26% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 12.2% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.1% | 59.0% | 5th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Nelnet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Nelnet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Nelnet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Nelnet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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