BlastPoint's Banking Scorecard
Nelnet Bank
Community
Specialty: Other
UT
FDIC cert 59205
Draper, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Nelnet Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.83% below tier
- + Loan-to-Deposit Ratio 30.27% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 21.05% below tier
- - Non-Interest Income / Assets 0.68% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+42.8% YoY
+3.3% QoQ
|
+$678.2M |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$930.6M
+48.9% YoY
-2.0% QoQ
|
-$44.8M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$1.8B
+40.5% YoY
+1.7% QoQ
|
+$598.4M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.78%
+291.3% YoY
+9.1% QoQ
|
-0.39% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.43%
+0.9% YoY
+2.4% QoQ
|
-0.23% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
40.80%
-24.7% YoY
-3.5% QoQ
|
-21.83% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
1.15%
+192.1% YoY
-17.1% QoQ
|
+0.52% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
52.79%
+6.0% YoY
-3.6% QoQ
|
-30.27% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -21.05% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.52%
+204.6% YoY
-21.4% QoQ
|
+0.02% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.06%
+115.1% QoQ
|
-0.68% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
40.80%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
52.79%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.06%
(Tier avg: 0.74%, National avg: 0.65%)
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
95
95th pctile
Loan-to-Deposit Ratio
Current: 52.79% · Tier avg: 83.06%
95
95th pctile
Efficiency Ratio
Current: 40.80% · Tier avg: 62.63%
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
65
65th pctile
Total Loans
Current: $930.6M · Tier avg: $975.5M
39
39th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
2
2th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.74%
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 21.05%
Top Weaknesses
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 21.05%
2
2th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.74%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
39
39th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
65
65th pctile
Total Loans
Current: $930.6M · Tier avg: $975.5M
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
95
95th pctile
Efficiency Ratio
Current: 40.80% · Tier avg: 62.63%
95
95th pctile
Loan-to-Deposit Ratio
Current: 52.79% · Tier avg: 83.06%