SoFi Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
SoFi Bank, N.A. is the 46th-largest bank in the United States, with $56.8 billion in assets at June 30, 2026, up 56.6% from a year earlier. It is headquartered in Cottonwood Heights, Utah. It keeps 6.12 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 3.63 cents). It also funds 13.34% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.25%).
Earnings jumped: net income for the quarter was $260 million, 50% above the same quarter a year earlier. Over the same year, loans grew 54.1% and deposits grew 57.4%. Funding is the softer spot: it pays an average of 2.99% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.92%).
As of June 30, 2026, SoFi Bank, N.A. reported a CET1 capital ratio of 15.17%, a return on assets of 1.95%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.53%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2750 E Cottonwood Pkwy, Cottonwood Heights, UT 84121
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 29, 1986
- Former names
- Golden Pacific Bank, National Association (2012-2022); Gold Country Bank, National Association (2001-2012); Gold Country National Bank (1993-2001)
- Offices
- 4 domestic
- Employees (FTE)
- 2,995
- Domestic deposits
- $46.78B
- Allowance for credit losses
- $56.5M
- Net charge-offs (YTD)
- $17.1M
- Average total assets
- $53.27B
- Average total loans
- $44.19B
- Average interest-bearing deposits
- $43.90B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 29, 1986
- FDIC Cert
- 26881
- Fed RSSD
- 962966
- SEC CIK
- 1818874 → filed by SOFI TECHNOLOGIES, INC.
- Website
- www.sofi.com →
- Parent Holding Company
- SOFI TECHNOLOGIES, INC. (RSSD 5586871) · SOFI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Anthony Noto | CEO | Chief Executive Officer |
| Chad M Borton | PRES | President - SoFi Bank |
| Christopher Lapointe | CFO | CFO and PAO |
| Jeremy Rishel | CTO | Chief Technology Officer |
| Arun Pinto | CRO | Chief Risk Officer |
| Robert S Lavet | GC | General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full SoFi Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.17% | 1.95% | 0.01% | 0.53% | 6.12% |
| Q1 2026 | 15.29% | 2.04% | 0.01% | 0.58% | 5.96% |
| Q4 2025 | 16.44% | 1.90% | 0.01% | 0.58% | 5.94% |
| Q3 2025 | 17.60% | 1.94% | 0.01% | 0.50% | 6.15% |
| Q2 2025 | 15.14% | 2.00% | 0.01% | 0.54% | 6.25% |
| Q1 2025 | 16.46% | 2.09% | 0.01% | 0.56% | 6.34% |
| Q4 2024 | 17.27% | 1.73% | 0.01% | 0.65% | 6.35% |
| Q3 2024 | 17.07% | 1.98% | 0.02% | 0.81% | 6.04% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| SoFi Bank, N.A. (main office) | Cottonwood Heights , UT | 84121 | $46.61B |
| Yuba City Branch 04 | Yuba City , CA | 95993 | $96.1M |
| Live Oak Branch | Live Oak , CA | 95953 | $48.5M |
| Sacramento Office Branch | Sacramento , CA | 95816 | $26.5M |
Regulatory record
What the public regulatory sources show for SoFi Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 4 against the institution (OCC); 7 against individuals associated with it
- November 10, 2004, OCC: Formal Agreement: Gold Country Bank, National Association
- May 24, 2001, OCC: Formal Agreement: Gold Country National Bank
- September 7, 2000, OCC: Formal Agreement: Gold Country National Bank
- September 29, 1998, OCC: Formal Agreement: Gold Country National Bank
- Period: Most recent institution action November 10, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.8% of deposits in UT, rank 7 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 55,555 applications, 16,189 loans originated, $3.46B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.9M approved, $638K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 3,603 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about SoFi Bank, N.A.
What are SoFi Bank, N.A.'s total assets?
As of the Q2 2026 filing, SoFi Bank, N.A. reported total assets of $56.82 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is SoFi Bank, N.A. headquartered?
SoFi Bank, N.A. is headquartered in Cottonwood Heights, UT, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was SoFi Bank, N.A. founded?
SoFi Bank, N.A. was established in 1986, per the FDIC institution directory.
Is SoFi Bank, N.A. FDIC-insured?
Yes. SoFi Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #26881). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates SoFi Bank, N.A.?
SoFi Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is SoFi Bank, N.A.'s CET1 capital ratio?
SoFi Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does SoFi Bank, N.A. operate?
SoFi Bank, N.A. operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is SoFi Bank, N.A.'s Texas Ratio?
SoFi Bank, N.A.'s Texas Ratio is 0.53% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was SoFi Bank, N.A. previously called?
The charter now named SoFi Bank, N.A. has also operated as Golden Pacific Bank, National Association (2012-2022), Gold Country Bank, National Association (2001-2012), Gold Country National Bank (1993-2001), per FDIC structure-change records.
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