BlastPoint's Banking Scorecard
Sallie Mae Bank
Large
Specialty: Consumer
UT
FDIC cert 58177
Salt Lake City, UT
69
banks in Large tier nationally
7 in UT
View Large leaderboard (UT) →
Sallie Mae Bank has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 6% in Large
- + Revenue Diversifier: Top 6% in Large
- + Net Interest Margin 2.23% above tier
- + Efficiency Ratio 26.44% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Large
- - Capital Thin: Bottom 6% in Large
- - Credit Quality Pressure: Bottom 21% in Large
- - Liquidity Strain: Bottom 33% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$29.7B
-1.0% YoY
+0.4% QoQ
|
-$45.1B |
$74.9B
-4.4% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$21.3B
+1.7% YoY
-1.7% QoQ
|
-$25.1B |
$46.4B
-2.1% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$21.5B
+0.3% YoY
+6.4% QoQ
|
-$39.0B |
$60.5B
-4.5% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
2.90%
+22.7% YoY
+8.9% QoQ
|
+1.70% |
1.19%
+17.8% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.69%
+1.2% YoY
-0.0% QoQ
|
+2.23% |
3.46%
+13.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
28.58%
-5.4% YoY
+0.1% QoQ
|
-26.44% |
55.03%
-2.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.71%
+4.8% YoY
+6.0% QoQ
|
-0.17% |
0.88%
-0.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
99.00%
+1.3% YoY
-7.6% QoQ
|
+17.28% |
81.72%
+3.9% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.20%
-29.5% YoY
-7.3% QoQ
|
-19.77% |
19.97%
+0.5% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.51%
+7.7% YoY
+3.8% QoQ
|
-0.04% |
0.55%
+9.0% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.09%
-2.1% YoY
-1.6% QoQ
|
-2.24% |
13.33%
-0.7% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
Bottom 7% in tier |
| Non-Interest Income / Assets ? |
1.68%
+31.9% YoY
+19.3% QoQ
|
+0.60% |
1.09%
+2.4% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#2 of 18 · Top 6% in Large
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.90%
(Tier: 1.19%, National: 1.12%)
18 of 18 Large banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#2 of 17 · Top 6% in Large
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.68%
(Tier: 1.09%, National: 0.65%)
Return on Assets:
2.90%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
441 nationally
→ Stable
+4 banks QoQ
Net Interest Margin
metric
Top 9%
in Large
Why this stands out
Current:
5.69%
(Tier avg: 3.46%, National avg: 3.75%)
Efficiency Ratio
metric
Top 3%
in Large
Why this stands out
Current:
28.58%
(Tier avg: 55.03%, National avg: 65.09%)
Concerns (4)
Credit Risk Growth
risk
#1 of 26 · Bottom 1% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
Capital Thin
risk
#2 of 18 · Bottom 6% in Large
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.09%
(Tier: 13.33%, National: 9.75%)
18 of 18 Large banks match
·
505 nationally
→ Stable
+11 banks QoQ
Credit Quality Pressure
risk
#8 of 35 · Bottom 21% in Large
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.71%
(Tier: 0.88%, National: 0.66%)
35 of 35 Large banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Strain
risk
#6 of 16 · Bottom 33% in Large
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
99.00%
(Tier: 81.72%, National: 78.04%)
16 of 16 Large banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Return on Assets
Current: 2.90% · Tier avg: 1.19%
97
97th pctile
Efficiency Ratio
Current: 28.58% · Tier avg: 55.03%
91
91th pctile
Net Interest Margin
Current: 5.69% · Tier avg: 3.46%
87
87th pctile
Non-Interest Income / Assets
Current: 1.68% · Tier avg: 1.09%
57
57th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.88%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.55%
25
25th pctile
Total Loans
Current: $21.3B · Tier avg: $46.4B
19
19th pctile
Total Assets
Current: $29.7B · Tier avg: $74.9B
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 0.20% · Tier avg: 19.97%
7
7th pctile
Tier 1 Capital Ratio
Current: 11.09% · Tier avg: 13.33%
4
4th pctile
Loan-to-Deposit Ratio
Current: 99.00% · Tier avg: 81.72%
3
3th pctile
Total Deposits
Current: $21.5B · Tier avg: $60.5B
Top Weaknesses
3
3th pctile
Total Deposits
Current: $21.5B · Tier avg: $60.5B
4
4th pctile
Loan-to-Deposit Ratio
Current: 99.00% · Tier avg: 81.72%
7
7th pctile
Tier 1 Capital Ratio
Current: 11.09% · Tier avg: 13.33%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 0.20% · Tier avg: 19.97%
19
19th pctile
Total Assets
Current: $29.7B · Tier avg: $74.9B
25
25th pctile
Total Loans
Current: $21.3B · Tier avg: $46.4B
48
48th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.55%
57
57th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.88%
87
87th pctile
Non-Interest Income / Assets
Current: 1.68% · Tier avg: 1.09%
91
91th pctile
Net Interest Margin
Current: 5.69% · Tier avg: 3.46%
97
97th pctile
Efficiency Ratio
Current: 28.58% · Tier avg: 55.03%
97
97th pctile
Return on Assets
Current: 2.90% · Tier avg: 1.19%