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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #3394278 2025-Q4 Vital Signs Score: 77/100 — 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 40.8% of deposits (threshold 30%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.70% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +4
65
Sub-score

Liquidity is stable: brokered 40.8%, loans/deposits 99.0%, cash 14.8% of assets.

Cash / Assets
14.85%
Loans / Deposits
99.00%
Brokered %
40.81%

Watch Items

  • watchBrokered deposits above 30% — Brokered 40.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.15%
No watch items at this period.

Capitalization

StableQoQ -2
69
Sub-score

Capital position is stable: Tier 1 RBC 11.09%, CET1 11.09%, leverage 9.88%.

Tier 1 RBC
11.09%
CET1
11.09%
Leverage
9.88%
No watch items at this period.

Asset Quality

StableQoQ -3
66
Sub-score

Asset quality is stable: Adjusted NPL 0.71%, Texas Ratio 3.5%, NCO YTD 1.70%.

Adjusted NPL
0.71%
Govt-guarantees stripped
Texas Ratio
3.5%
NCO YTD
1.70%
30-89 PD
2.29%
Band 0.3% / 3.0%
90+ PD
0.71%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.70% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.32% of loans, coverage 950.2%, true coverage 276.1%.

ALLL / Loans
6.32%
Coverage
950.2%
True Loss Coverage
276.1%
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