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Nelnet Bank

IDRSSD: 5514409
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q2QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #5514409 2025-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.02% of assets (threshold 3%).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.12% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -4
68
Sub-score

Liquidity is stable: brokered 17.6%, loans/deposits 52.3%, cash 1.0% of assets.

Cash / Assets
1.02%
Loans / Deposits
52.25%
Brokered %
17.56%

Watch Items

  • watchCash / Assets below 3% — Cash 1.02% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.52%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.85%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.85%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -4
70
Sub-score

Asset quality is stable: Adjusted NPL 1.09%, Texas Ratio 3.5%, NCO YTD 1.12%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
3.5%
NCO YTD
1.12%
30-89 PD
1.48%
Band 0.3% / 3.0%
90+ PD
1.09%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.09%.
  • infoNet charge-offs elevated — NCO YTD 1.12% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.71% of loans, coverage 255.9%, true coverage 247.2%.

ALLL / Loans
2.71%
Coverage
255.9%
True Loss Coverage
247.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:52:41 UTC