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Sallie Mae Bank
Salt Lake City, UT·FDIC Cert #58177·Charter: STATE·Est. 20051128.0
Total Assets
$29.7B
Q4 2025
Return on Assets
2.90%
+0.24%Peer avg: 1.13%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
28.58%
Peer avg: 52.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.90%+0.24
ROE
29.63%+2.47
Efficiency
28.58%+0.02
Equity/Assets
0.00%+0.00
NPL Ratio
0.71%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.00%-8.18
Charge-offs
1.52%+0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 4.4 | 4.1 | 2.6 | 2.4 | 4.5 | 2.9 | 2.7 | 2.9 |
| ROE | 48.6 | 44.3 | 28.1 | 25.6 | 47.6 | 30.2 | 27.2 | 29.6 |
| Efficiency | 25.0 | 26.0 | 29.4 | 30.2 | 22.7 | 28.0 | 28.6 | 28.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.9 | 0.8 | 0.7 | 0.7 | 0.6 | 0.7 | 0.7 |
| Charge-offs | 1.5 | 1.5 | 1.5 | 1.6 | 1.4 | 1.5 | 1.5 | 1.5 |
| Loan/Deposit | 95.5 | 90.0 | 96.8 | 97.7 | 103.6 | 102.0 | 107.2 | 99.0 |
Balance Sheet
Total Assets$29.7B
Total Deposits$21.5B
Total Loans$21.3B
Total Equity$2.9B
Profitability
ROA2.90%
ROE29.63%
Efficiency Ratio28.58%
Net Income$857.2M
Risk & Asset Quality
NPL Ratio0.71%
Charge-off Rate1.52%
Loan/Deposit99.00%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans