Sallie Mae Bank
Total assets
$28.54B
▼ -3.4% YoY
Deposits
$20.33B
▼ -2.3% YoY
Loans
$19.76B
▼ -6.9% YoY
Offices
1
ROA (annualized)
2.77%
peers 1.23%
ROE (annualized)
27.51%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| 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
Profile
- Established
- 2005
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Consumer Lending Specialization
- Address
- 175 S West Temple, Salt Lake City, UT, 84101
- County
- Salt Lake
- Metro area
- Salt Lake City, UT
- Offices
- 1
- FDIC cert #
- 58177
- RSSD ID
- 3394278
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| 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 pack Q2 2026 · peer medians from 160 institutions
Profitability
| 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% | 93th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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