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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-Q2

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

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q2QoQ -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-Q2

Bank #3394278 2025-Q2 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 41.3% of deposits (threshold 30%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.67% of loans.
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.0% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +1
64
Sub-score

Liquidity is stable: brokered 41.3%, loans/deposits 102.0%, cash 14.4% of assets.

Cash / Assets
14.36%
Loans / Deposits
101.97%
Brokered %
41.28%

Watch Items

  • watchBrokered deposits above 30% — Brokered 41.3% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 102.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.13%
No watch items at this period.

Capitalization

StableQoQ -1
74
Sub-score

Capital position is stable: Tier 1 RBC 11.47%, CET1 11.47%, leverage 10.21%.

Tier 1 RBC
11.47%
CET1
11.47%
Leverage
10.21%
No watch items at this period.

Asset Quality

StableQoQ -2
70
Sub-score

Asset quality is stable: Adjusted NPL 0.59%, Texas Ratio 2.8%, NCO YTD 1.67%.

Adjusted NPL
0.59%
Govt-guarantees stripped
Texas Ratio
2.8%
NCO YTD
1.67%
30-89 PD
2.09%
Band 0.3% / 3.0%
90+ PD
0.59%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.67% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.51% of loans, coverage 1177.8%, true coverage 103.3%.

ALLL / Loans
6.51%
Coverage
1177.8%
True Loss Coverage
103.3%
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