SoFi Bank, National Association
Total assets
$56.82B
▲ +56.6% YoY
Deposits
$46.78B
▲ +57.4% YoY
Loans
$46.67B
▲ +54.2% YoY
Offices
4
SOFI TECHNOLOGIES INC
ROA (annualized)
1.98%
peers 1.23%
ROE (annualized)
15.41%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +56.6% | +5.9% | +50.7 pts |
| Deposit growth (YoY) | +57.4% | +5.7% | +51.7 pts |
| Loan growth (YoY) | +54.2% | +6.9% | +47.2 pts |
| ROA | 1.98% | 1.23% | +0.7 pts |
| ROE | 15.4% | 11.2% | +4.2 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
Profile
- Established
- 1986
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- SOFI TECHNOLOGIES INC
- Specialization
- Consumer Lending Specialization
- Address
- 2750 E Cottonwood Pkwy, Cottonwood Heights, UT, 84121
- County
- Salt Lake
- Metro area
- Salt Lake City, UT
- Offices
- 4
- FDIC cert #
- 26881
- RSSD ID
- 962966
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.82B | $46.78B | $46.67B | $7.28B | $504.1M | 1.98% | 6.07% | 0.07% |
| Q1 2026 | $49.67B | $42.32B | $40.85B | $6.33B | $244.6M | 2.03% | 6.02% | 0.07% |
| Q4 2025 | $46.57B | $39.71B | $36.74B | $6.03B | $737.4M | 1.96% | 6.15% | 0.07% |
| Q3 2025 | $41.25B | $33.77B | $33.72B | $5.82B | $533.2M | 2.01% | 6.28% | 0.07% |
| Q2 2025 | $36.28B | $29.72B | $30.27B | $4.91B | $343.0M | 2.05% | 6.35% | 0.07% |
| Q1 2025 | $32.86B | $27.38B | $27.11B | $4.73B | $170.0M | 2.13% | 6.52% | 0.08% |
| Q4 2024 | $31.09B | $26.01B | $25.38B | $4.54B | $472.4M | 1.72% | 6.32% | 0.09% |
| Q3 2024 | $29.26B | $24.59B | $24.26B | $4.21B | $341.0M | 1.71% | 6.27% | 0.11% |
Loan mix (Q2 2026): real estate $2.33B · commercial $3.9M · consumer $43.76B · securities $4.03B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 1.23% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 11.3% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.07% | 3.55% | 94th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 54.9% | 89th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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