bank holding company · RSSD 3808131 · TN
How big is EDUCATION LOAN FINANCE, INC.?
EDUCATION LOAN FINANCE, INC. (TN, RSSD 3808131) reported consolidated total assets of $3.6B, deposits of $1.9B and a Tier 1 risk-based capital ratio of 18.55% in its FR Y-9C for 2021Q1. That ranks 287 of 349 bank holding companies by assets, 137 of 192 among bank holding companies with $1b-$10b in assets, 4 of 6 bank holding companies in tennessee.
What stands out
EDUCATION LOAN FINANCE, INC. (TN, RSSD 3808131) reported consolidated total assets of $3.6B, deposits of $1.9B and a Tier 1 risk-based capital ratio of 18.55% in its FR Y-9C for 2021Q1. That ranks 287 of 349 bank holding companies by assets, 137 of 192 among bank holding companies with $1b-$10b in assets, 4 of 6 bank holding companies in tennessee. Against its size class: tier 1 risk-based capital ratio 18.55%, above the peer median of 13.16%; tier 1 leverage ratio 11.60%, above the peer median of 9.64%; return on assets 0.84%, below the peer median of 1.34%. At 18.55% its Tier 1 risk-based ratio is above the 6% minimum of the Federal Reserve's capital rule in force since 2015; its leverage ratio of 11.60% is above the 4% minimum. Buffers, stress tests and the small-holding-company exemption are not applied here. This is the last quarter in the bulk series; the holding company may have filed later reports that are not loaded.
Key figures, 2021Q1
As filed on the FR Y-9C; ratios marked computed are FACTANKER's. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2021Q1 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $3.6B | $4.7B | — | $7.7B | record → |
| Total deposits | $1.9B | $4.0B | — | $6.1B | record → |
| Loans and leases | $3.2B | $3.1B | — | $5.3B | record → |
| Net income (year to date) | $7.6M | $14.3M | — | $25.6M | record → |
| Total equity capital | $395.8M | $463.8M | — | $832.0M | record → |
| Equity to assets | 11.04% | 10.13% | — | 10.46% | computed |
| Tier 1 risk-based capital ratio | 18.55% | 13.16% | — | 13.18% | record → |
| Total risk-based capital ratio | 18.88% | 15.35% | — | 15.34% | record → |
| Tier 1 leverage ratio | 11.60% | 9.64% | — | 9.48% | record → |
| Return on assets | 0.84% | 1.34% | — | 1.34% | computed |
Quarter by quarter
46 reports on record, 2009Q4–2021Q1; the 40 most recent shown.
| Quarter | Total assets | Deposits | Loans | Net income YTD | Equity | Tier 1 ratio | Rank |
|---|---|---|---|---|---|---|---|
| 2021Q1 | $3.6B | $1.9B | $3.2B | $7.6M | $395.8M | 18.55% | 287 |
| 2020Q4 | $3.6B | $1.8B | $3.3B | $16.5M | $387.5M | 17.90% | 278 |
| 2020Q3 | $3.6B | $1.7B | $3.3B | $11.3M | $383.3M | 18.15% | 276 |
| 2020Q2 | $3.5B | $1.6B | $3.2B | $5.3M | $376.9M | 18.47% | 278 |
| 2020Q1 | $3.3B | $1.6B | $3.1B | $2.4M | $373.6M | 22.73% | 273 |
| 2019Q4 | $3.2B | $1.5B | $3.0B | $24.9M | $370.9M | 25.45% | 272 |
| 2019Q3 | $3.2B | $1.5B | $2.9B | $19.7M | $366.8M | 25.11% | 274 |
| 2019Q2 | $3.3B | $1.5B | $2.9B | $9.5M | $358.0M | 25.00% | 272 |
| 2019Q1 | $3.3B | $1.5B | $3.0B | $3.9M | $355.6M | 25.35% | 264 |
| 2018Q4 | $3.2B | $1.1B | $2.9B | $22.4M | $353.7M | 26.78% | 275 |
| 2018Q3 | $3.0B | $1.2B | $2.8B | $20.0M | $351.8M | 29.54% | 282 |
| 2018Q2 | $3.1B | $1.2B | $2.8B | $12.7M | $344.5M | 30.04% | 275 |
| 2018Q1 | $3.1B | $1.3B | $2.8B | $6.2M | $338.0M | 26.66% | 268 |
| 2017Q4 | $3.1B | $1.3B | $2.8B | $19.4M | $331.8M | 27.71% | 263 |
| 2017Q3 | $3.1B | $1.2B | $2.9B | $11.1M | $378.3M | 32.69% | 264 |
| 2017Q2 | $3.1B | $1.1B | $2.9B | $7.6M | $374.8M | 35.39% | 264 |
| 2017Q1 | $3.1B | $1.1B | $2.9B | $4.0M | $371.3M | 38.19% | 263 |
| 2016Q4 | $3.2B | $1.1B | $3.0B | $23.3M | $367.3M | 35.12% | 258 |
| 2016Q3 | $3.3B | $984.6M | $3.0B | $16.3M | $360.3M | 34.24% | 249 |
| 2016Q2 | $3.3B | $834.5M | $3.0B | $9.8M | $353.8M | 33.13% | 244 |
| 2016Q1 | $3.4B | $777.9M | $3.1B | $5.3M | $349.3M | 32.61% | 229 |
| 2015Q4 | $3.6B | $762.9M | $3.2B | $30.3M | $344.0M | 31.61% | 219 |
| 2015Q3 | $3.6B | $698.0M | $3.3B | $29.6M | $343.2M | 31.17% | 212 |
| 2015Q2 | $3.7B | $668.6M | $3.4B | $20.1M | $333.8M | 29.53% | 212 |
| 2015Q1 | $3.3B | $590.1M | $3.0B | $10.4M | $324.1M | 31.59% | 222 |
| 2014Q4 | $3.2B | $549.3M | $2.9B | $37.9M | $313.6M | 31.83% | 227 |
| 2014Q3 | $2.9B | $480.7M | $2.7B | $29.4M | $305.2M | 33.22% | 236 |
| 2014Q2 | $2.9B | $470.9M | $2.7B | $18.2M | $294.0M | 32.55% | 233 |
| 2014Q1 | $2.8B | $457.3M | $2.6B | $8.1M | $283.8M | 32.66% | 237 |
| 2013Q4 | $2.7B | $426.2M | $2.5B | $28.0M | $275.8M | 32.95% | 242 |
| 2013Q3 | $2.3B | $416.8M | $2.1B | $18.6M | $266.3M | 35.19% | 271 |
| 2013Q2 | $2.2B | $388.5M | $2.0B | $11.6M | $259.4M | 35.45% | 279 |
| 2013Q1 | $2.1B | $400.4M | $1.8B | $5.8M | $253.8M | 35.63% | 291 |
| 2012Q4 | $2.2B | $392.3M | $1.9B | $22.4M | $248.1M | 33.36% | 282 |
| 2012Q3 | $1.8B | $155.6M | $1.6B | $22.6M | $248.5M | 47.40% | 329 |
| 2012Q2 | $1.9B | $152.1M | $1.7B | $15.0M | $240.8M | 47.00% | 326 |
| 2012Q1 | $1.8B | $146.9M | $1.5B | $7.8M | $233.7M | 50.83% | 333 |
| 2011Q4 | $1.5B | $142.6M | $1.3B | $13.9M | $225.9M | 57.11% | 326 |
| 2011Q3 | $1.3B | $124.2M | $1.1B | $9.1M | $221.0M | 61.01% | 357 |
| 2011Q2 | $1.3B | $116.1M | $1.1B | $8.8M | $220.6M | 61.69% | 371 |
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