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Sallie Mae Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #3394278 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 42.5% of deposits (threshold 30%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.6% (threshold 100%).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.35% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +4
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -3
63
Sub-score

Liquidity is stable: brokered 42.5%, loans/deposits 103.6%, cash 13.3% of assets.

Cash / Assets
13.33%
Loans / Deposits
103.56%
Brokered %
42.54%

Watch Items

  • watchBrokered deposits above 30% — Brokered 42.5% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 103.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.16%
No watch items at this period.

Capitalization

StableQoQ +4
75
Sub-score

Capital position is stable: Tier 1 RBC 11.58%, CET1 11.58%, leverage 10.09%.

Tier 1 RBC
11.58%
CET1
11.58%
Leverage
10.09%
No watch items at this period.

Asset Quality

StableQoQ +4
72
Sub-score

Asset quality is stable: Adjusted NPL 0.67%, Texas Ratio 3.2%, NCO YTD 1.35%.

Adjusted NPL
0.67%
Govt-guarantees stripped
Texas Ratio
3.2%
NCO YTD
1.35%
30-89 PD
2.03%
Band 0.3% / 3.0%
90+ PD
0.67%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.35% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.42% of loans, coverage 1027.6%, true coverage 104.8%.

ALLL / Loans
6.42%
Coverage
1027.6%
True Loss Coverage
104.8%
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