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Nelnet Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2026-Q1QoQ -6

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

Quarterly Headline

2026-Q1

Bank #5514409 2026-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Watch
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 1.91% of assets (threshold 3%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.00%.

What changed this quarter

Compared to Q4 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -18

The five pillars

Liquidity

StableQoQ +1
70
Sub-score

Liquidity is stable: brokered 17.9%, loans/deposits 63.2%, cash 1.9% of assets.

Cash / Assets
1.91%
Loans / Deposits
63.17%
Brokered %
17.90%

Watch Items

  • watchCash / Assets below 3% — Cash 1.91% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.35%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 15.05%.

Tier 1 RBC
—
CET1
0.00%
Leverage
15.05%

Watch Items

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

Asset Quality

WatchQoQ -14
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.00%, Texas Ratio 6.7%, NCO YTD 1.02%.

Adjusted NPL
2.00%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
1.02%
30-89 PD
2.36%
Band 0.3% / 3.0%
90+ PD
2.00%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 2.00%.
  • infoNet charge-offs elevated — NCO YTD 1.02% of loans.

Reserves

StrongQoQ -18
82
Sub-score

Reserves are strong: ALLL 2.30% of loans, coverage 117.7%, true coverage 111.9%.

ALLL / Loans
2.30%
Coverage
117.7%
True Loss Coverage
111.9%
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