| Metric | Sallie Mae Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +5.9% | -9.3 pts |
| Deposit growth (YoY) | -2.3% | +5.7% | -8.0 pts |
| Loan growth (YoY) | -6.9% | +6.9% | -13.8 pts |
| ROA | 2.77% | 1.23% | +1.5 pts |
| ROE | 27.5% | 11.2% | +16.3 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.54B | $20.33B | $19.76B | $2.91B | $404.3M | 2.77% | 5.48% | 0.48% |
| Q1 2026 | $29.46B | $20.82B | $20.18B | $3.02B | $319.2M | 4.31% | 5.69% | 0.52% |
| Q4 2025 | $29.73B | $21.52B | $21.31B | $2.89B | $857.2M | 2.90% | 5.69% | 0.51% |
| Q3 2025 | $29.62B | $20.23B | $21.68B | $3.02B | $589.5M | 2.66% | 5.69% | 0.49% |
| Q2 2025 | $29.55B | $20.81B | $21.22B | $2.94B | $431.2M | 2.92% | 5.70% | 0.42% |
| Q1 2025 | $28.93B | $20.43B | $21.15B | $2.94B | $334.7M | 4.54% | 5.68% | 0.49% |
| Q4 2024 | $30.04B | $21.46B | $20.96B | $2.68B | $690.6M | 2.36% | 5.62% | 0.47% |
| Q3 2024 | $29.94B | $21.70B | $21.00B | $2.73B | $567.8M | 2.61% | 5.70% | 0.54% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $21.10B · securities $1.72B
| Ratio | Sallie Mae Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.77% | 1.23% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 27.5% | 11.3% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.48% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.0% | 54.9% | 10th |
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 | Sallie Mae 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 | Sallie Mae Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Sallie Mae 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 | Sallie Mae 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 | Sallie Mae Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $20.33B branch deposits. Biggest market: Salt Lake, UT, ranked 9th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $20.33B | 1.70% | 9th |
Utah: 10th with 1.59% · Salt Lake City-Murray metro: 9th, 1.70% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (10 bps of assets, 2024). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).