Bank Comparison
Frost Bank vs Sofi Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 17
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Frost Bank | Sofi Bank, N.A. |
|---|---|---|
| CET1 Ratio | 14.43% | 15.29% |
| Tier 1 Capital Ratio | 14.43% | 15.29% |
| Total Capital Ratio | 15.44% | 15.42% |
| Tier 1 Leverage Ratio | 9.07% | 12.77% |
| Equity / Assets | 8.57% | 12.74% |
Profitability
| Metric | Frost Bank | Sofi Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 2.04% |
| Return on Equity (ROE) | 15.35% | 15.84% |
| Net Interest Margin (NIM) | 3.68% | 5.96% |
| Yield on Earning Assets | 4.78% | 8.55% |
| Cost of Funds | 1.15% | 2.91% |
Asset quality
| Metric | Frost Bank | Sofi Bank, N.A. |
|---|---|---|
| Texas Ratio | 2.16% | 0.61% |
| Non-Performing Loan Ratio | 0.32% | 0.01% |
| Non-Performing Asset Ratio | 0.14% | 0.01% |
| Net Charge-Off Ratio | 0.11% | 0.08% |
| ACL / Loans | 1.28% | 0.13% |
Balance sheet
| Metric | Frost Bank | Sofi Bank, N.A. |
|---|---|---|
| Total Assets | $52,769M | $49,667M |
| Total Deposits | $43,235M | $42,321M |
| Total Loans | $22,432M | $40,905M |
| Total Equity | $4,524M | $6,326M |
| Net Income (quarter) | $174,000K | $244,608K |
Liquidity & funding
| Metric | Frost Bank | Sofi Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 51.88% | 96.65% |
| Core Deposit Ratio | 90.27% | 99.92% |
| Uninsured Deposit Ratio | 51.34% | 7.58% |
Identity
| Metric | Frost Bank | Sofi Bank, N.A. |
|---|---|---|
| Headquarters City | SAN ANTONIO | COTTONWOOD HEIGHTS |
| Headquarters State | TX | UT |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 20862 |
| Regulator | FED | OCC |
| Domestic Branches | 219 | 4 |
| Employees (FTE) | 6,058 | 2,117 |
| Established | Feb. 20, 1899, midnight | Dec. 29, 1986, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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