$49.7B
+51.2%y/y
Percentile by value69th percentileby value
FDIC
ASSETSB
SoFi Bank, National Association
Cottonwood Heights, UtahFDIC Cert #26881
OCCEstablished 19864 branches
Holding company: SOFI TECHNOLOGIES INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportSoFi Bank, National Association reported $49.7B in total assets. Deposits grew 54.55% over the prior year.
Return on assets was 2.03%, compared with an asset-peer median of 1.19%. The leverage ratio was 12.77%.
- Why is Deposit Growth, Year over Year above asset peers?
- Why is Net Loan Growth, Year over Year above asset peers?
- Why is Return on Assets above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$42.3B
+54.6%y/y
Percentile by value70th percentileby value
FDIC
DEP$40.9B
+50.7%y/y
Percentile by value73rd percentileby value
FDIC
LNLSNET2.03%
−9 bpsy/y
Peer standing93rd percentile
FDIC
NETINC + ROA66.98%
+95 bpsy/y
Peer standing16th percentile
FDIC
NONIX + NIM + NONII + EEFFR12.77%
−116 bpsy/y
Peer standing95th percentile
FDIC
RBC1AAJPercentiles compare this bank with 154 banks with $10 billion or more.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $166M | $148M |
| Q3 2021 | $170M | $151M |
| Q4 2021 | $175M | $156M |
| Q1 2022 | $2.04B | $1.23B |
| Q2 2022 | $4.42B | $2.76B |
| Q3 2022 | $6.54B | $5.07B |
| Q4 2022 | $9.12B | $7.37B |
| Q1 2023 | $13.2B | $10.4B |
| Q2 2023 | $17.7B | $13.2B |
| Q3 2023 | $21.5B | $16B |
| Q4 2023 | $24.1B | $18.9B |
| Q1 2024 | $25.7B | $21.8B |
| Q2 2024 | $27.4B | $23.1B |
| Q3 2024 | $29.3B | $24.6B |
| Q4 2024 | $31.1B | $26B |
| Q1 2025 | $32.9B | $27.4B |
| Q2 2025 | $36.3B | $29.7B |
| Q3 2025 | $41.3B | $33.8B |
| Q4 2025 | $46.6B | $39.7B |
| Q1 2026 | $49.7B | $42.3B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $11.5M |
| Investor CRE | $7.16M |
| Multifamily | $139M |
| Construction | $0 |
| 1–4 family | $1.64B |
| C&I | $4.06M |
| Agriculture | $863K |
| Other | $39.1B |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.03%93rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE15.84%84th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY6.02%95th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR66.98%16th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP+54.55%97th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET+50.70%94th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.09%94th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ12.77%95th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.83%43rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC2%10th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 172%90th 301%Observations 154
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.03%64th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.14%Median 1.83%90th 4.88%Observations 45
ROE
FDIC
NETINC + ROE15.84%55th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.15%Median 15.71%90th 42.77%Observations 45
NIM
FDIC
NIM + NIMY6.02%57th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.23%Median 5.56%90th 15.19%Observations 45
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR66.98%25th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 24.58%Median 54.46%90th 98.73%Observations 45
Deposits YoY
FDIC
DEP+54.55%98th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.51%Median +5.68%90th +35.63%Observations 43
Loans YoY
FDIC
LNLSNET+50.70%95th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.49%Median +7.25%90th +45.05%Observations 42
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.09%88th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.08%Median 0.73%90th 3.60%Observations 43
Leverage
FDIC
RBC1AAJ12.77%48th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.12%Median 12.79%90th 27.02%Observations 45
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.83%70th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 3.48%90th 4.38%Observations 44
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC2%48th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 9%90th 270%Observations 30
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.03%55th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.06%Median 1.90%90th 3.65%Observations 12
ROE
FDIC
NETINC + ROE15.84%55th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 13.39%Median 15.77%90th 39.96%Observations 12
NIM
FDIC
NIM + NIMY6.02%64th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.07%Median 5.10%90th 12.52%Observations 12
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR66.98%18th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 23.65%Median 43.27%90th 70.24%Observations 12
Deposits YoY
FDIC
DEP+54.55%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.66%Median +8.05%90th +33.76%Observations 12
Loans YoY
FDIC
LNLSNET+50.70%100th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.55%Median +5.32%90th +33.02%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.09%91st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.09%Median 0.72%90th 2.20%Observations 12
Leverage
FDIC
RBC1AAJ12.77%82nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.75%Median 10.96%90th 12.78%Observations 12
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.83%82nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.70%Median 3.61%90th 4.92%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC2%45th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 9%90th 140%Observations 12
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 4 branches
- Headquarters
- Cottonwood Heights, UT
FDIC
OFFDOMOpen the Utah dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data