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Sallie Mae Bank

IDRSSD: 3394278
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2023-Q4QoQ +18

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

Quarterly Headline

2023-Q4

Bank #3394278 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 46.9% of deposits (threshold 30%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.69% of loans.
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.01%.

What changed this quarter

Compared to Q3 2023:
↑ +18 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +49
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -6
69
Sub-score

Liquidity is stable: brokered 46.9%, loans/deposits 92.9%, cash 14.7% of assets.

Cash / Assets
14.74%
Loans / Deposits
92.95%
Brokered %
46.95%

Watch Items

  • riskBrokered deposits above 30% — Brokered 46.9% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.25%
No watch items at this period.

Capitalization

StrongQoQ +5
88
Sub-score

Capital position is strong: Tier 1 RBC 12.29%, CET1 12.29%, leverage 10.35%.

Tier 1 RBC
12.29%
CET1
12.29%
Leverage
10.35%
No watch items at this period.

Asset Quality

StableQoQ +49
61
Sub-score

Asset quality is stable: Adjusted NPL 1.01%, Texas Ratio 4.7%, NCO YTD 1.69%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
1.69%
30-89 PD
2.41%
Band 0.3% / 3.0%
90+ PD
1.01%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.01%.
  • watchNet charge-offs elevated — NCO YTD 1.69% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.18% of loans, coverage 651.6%, true coverage 175.3%.

ALLL / Loans
6.18%
Coverage
651.6%
True Loss Coverage
175.3%
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: 2026-05-14 07:36:30 UTC