BlastPoint

BlastPoint's Banking Scorecard

Sallie Mae Bank

$10B-$250B Specialty: Consumer UT FDIC cert 58177

Salt Lake City, UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 12 in UT.
  • Deposits -2.3% year over year ($20.3B on the books).
  • Delinquency rate 0.69%.
  • Return on assets 2.77%.
  • Efficiency ratio 32.99% vs a 53.67% peer average.
  • Loan-to-deposit ratio 97.20% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 12 in UT
View $10B-$250B leaderboard (UT) →

Sallie Mae Bank has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 11.4% in tier
  • + Profitability Leader: Top 42.9% in tier
  • + Net Interest Margin 1.56% above tier average
  • + Efficiency Ratio 20.68% below tier average
  • + Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 0.1% in tier
  • - Capital Thin: Bottom 2.9% in tier
Get updates when Sallie Mae Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Total Assets ? $28.5B
-3.4% YoY -3.1% QoQ
-$15.1B $43.6B
-13.8% YoY
$31.1B
+21.2% YoY
$6.3B
+7.7% YoY
60%
Total Loans ? $19.8B
-6.9% YoY -2.1% QoQ
-$8.2B $28.0B
-8.6% YoY
$18.5B
+10.6% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $20.3B
-2.3% YoY -2.4% QoQ
-$15.1B $35.4B
-14.0% YoY
$23.9B
+15.2% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 2.77%
-5.4% YoY -35.9% QoQ
+1.38% 1.39%
+25.9% YoY
2.15%
+9.7% YoY
1.30%
+12.1% YoY
Top 4.3% in tier
Net Interest Margin ? 5.48%
-3.9% YoY -3.7% QoQ
+1.56% 3.92%
+8.9% YoY
7.81%
+8.6% YoY
3.95%
+4.9% YoY
Top 7.2% in tier
Efficiency Ratio ? 32.99%
+17.6% YoY +24.8% QoQ
-20.68% 53.67%
-1.9% YoY
105.46%
+37.7% YoY
70.05%
+2.5% YoY
Top 7.2% in tier
Delinquency Rate ? 0.69%
+16.9% YoY -8.7% QoQ
-0.32% 1.01%
-2.8% YoY
1.38%
+2.5% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 97.20%
-4.7% YoY +0.3% QoQ
+14.59% 82.61%
+3.1% YoY
83.52%
+2.9% YoY
79.03%
+2.3% YoY
Bottom 12.9% in tier
Non-Interest-Bearing Deposit Share ? 0.53%
+120.1% YoY +89.7% QoQ
-20.06% 20.58%
+4.9% YoY
17.78%
-2.6% YoY
21.98%
-0.6% YoY
Bottom 11.5% in tier
Nonperforming Asset Ratio ? 0.48%
+12.7% YoY -7.7% QoQ
-0.25% 0.73%
+5.8% YoY
0.92%
+4.0% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 11.78%
+2.7% YoY -4.6% QoQ
-3.57% 15.35%
-0.4% YoY
21.39%
+2.0% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.85%
+2.2% YoY +42.2% QoQ
+0.36% 0.50%
+10.5% YoY
2.21%
+5.7% YoY
0.66%
+5.2% YoY
Top 10.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Noninterest-Bearing 0.5%
+0.3pp YoY
+0.2pp QoQ
 -20.5pp 21.0% 20.1% 22.2% 9%
Brokered Deposits 40.6%
-0.7pp YoY
-1.1pp QoQ
 +31.3pp 9.2% 28.6% 8.5% 96%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
C&I n/a n/a 17.2% 25.0% 12.5% n/a
CRE n/a n/a 42.0% 44.1% 41.4% n/a
1-4 Family n/a n/a 23.1% 13.8% 31.3% n/a
Consumer 106.8%
-0.1pp YoY
0.0pp QoQ
 +93.9pp 12.9% 45.8% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
CET1 Ratio 11.8%
+0.3pp YoY
-0.6pp QoQ
 -3.5pp 15.3% 25.0% 19.7% 16%
Leverage Ratio 10.2%
0.0pp YoY
-0.2pp QoQ
 -0.3pp 10.4% 15.7% 12.6% 50%
Total Capital Ratio 13.1%
+0.3pp YoY
-0.6pp QoQ
 -3.4pp 16.5% 26.3% 20.8% 17%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Full-Time Employees 1,981
+30 (+1.5%) YoY
+190 (+10.6%) QoQ
 -1,277 3,258 1,029 482 51%
Assets per Employee ($) $14.4M
-4.9% YoY
-12.4% QoQ
 -$12.6M $27.0M $39.6M $8.8M 60%
Branch Count 1
0 YoY
0 QoQ
 -137 137 13 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Past Due 90+ Days 0.7%
+0.1pp YoY
-0.1pp QoQ
 +0.3pp 0.4% 0.6% 0.4% 89%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.7% 1.2% 1.0% 0%
Allowance Coverage 9.97x
-15.4% YoY
+9.5% QoQ
 +7.16x 2.81x 7.86x 20.23x 98%
Net Charge-off Rate (YTD) 1.9%
+0.3pp YoY
+0.2pp QoQ
 +1.4pp 0.4% 3.6% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
ROE 27.5%
-2.7pp YoY
-15.7pp QoQ
 +14.9pp 12.6% 15.9% 11.6% 96%
Cost of Funds (YTD) 3.9%
-0.1pp YoY
0.0pp QoQ
 +1.9pp 2.0% 2.3% 1.7% 98%
Net Income ($, YTD) $404.3M
-6.2% YoY
— QoQ
 +$107.5M $296.8M $307.8M $40.4M 78%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#5 of 35 • Top 11.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.85%
(Tier: 0.50%, National: 0.66%)
better than tier avg
Return on Assets: 2.77%
(Tier: 1.39%, National: 1.30%)
better than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#16 of 35 • Top 42.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.77%
(Tier: 1.39%, National: 1.30%)
better than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable

Concerns (2)

Liquidity Strain

risk
#1 of 40 • Bottom 0.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 97.20%
(Tier: 82.61%, National: 79.03%)
worse than tier avg
40 of 40 Large banks match · 1092 nationally
→ Stable +81 banks QoQ

Capital Thin

risk
#2 of 35 • Bottom 2.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.78%
(Tier: 15.35%, National: 17.09%)
worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

7
Return on Assets
profitability
Value: 2.77%
Peer Median: 1.39%
#7 of 139 Top 4.3% in $10B-$250B
11
Net Interest Margin
profitability
Value: 5.48%
Peer Median: 3.92%
#11 of 139 Top 7.2% in $10B-$250B
11
Efficiency Ratio
profitability
Value: 32.99%
Peer Median: 53.67%
#11 of 139 Top 7.2% in $10B-$250B
16
Non-Interest Income / Assets
revenue_mix
Value: 0.85%
Peer Median: 0.50%
#16 of 139 Top 10.8% in $10B-$250B

Top Weaknesses (3 metrics)

124
Non-Interest-Bearing Deposit Share
funding
Value: 0.53%
Peer Median: 20.58%
#124 of 139 Bottom 11.5% in $10B-$250B
122
Loan-to-Deposit Ratio
liquidity
Value: 97.20%
Peer Median: 82.61%
#122 of 139 Bottom 12.9% in $10B-$250B
117
Tier 1 Capital Ratio
capital
Value: 11.78%
Peer Median: 15.35%
#117 of 139 Bottom 16.5% in $10B-$250B
Powered by BlastPoint © 2026