SoFi Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
SoFi Bank, N.A. is an FDIC-insured commercial bank headquartered in Cottonwood Heights, UT, established in 1986 (FDIC certificate 26881), and it is supervised by the OCC. At Q2 2026 it reported total assets of $56.82B, up 56.6% from Q2 2025, the 7th largest of 44 banks headquartered in Utah. Its CET1 capital ratio was 15.17% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 26881
- Headquarters
- Cottonwood Heights, UT
- Established
- 1986
- Total assets, Q2 2026
- $56.82B
- Assets vs Q2 2025
- +56.6%
- CET1 ratio, Q2 2026
- 15.17%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 121145323
- Latest call report
- Q2 2026, FFIEC 041 · SoFi Bank, N.A. call report
- Holding company
- SOFI TECHNOLOGIES, INC.
- Asset rank in state
- 7th of 44 in Utah
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%. The figures come from its call report filed with the FFIEC.
SoFi Bank, N.A. ranks as the 7th largest of the 44 banks based in Utah, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 14.4% to $56.82B, loans rose 14.2% and deposits rose 10.5%. Its loan book on June 30, 2026 was led by other consumer loans, at 92.5% of total loans, followed by 1-4 family residential loans at 4.6%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 2 states; its Cottonwood Heights office books 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, SoFi Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 4 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, SoFi Bank, N.A.'s total assets ran between $21.51B (Q3 2023) and $56.82B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$56.82B total assets against $36.28B; $49.54B total liabilities against $31.37B.
$46.67B net loans and leases against $30.27B; $46.78B total deposits against $29.72B.
$4.03B securities against $2.26B; $3.79B cash and balances due against $2.32B.
$1.13B total interest income against $765.0M; $341.8M total interest expense against $248.8M.
$783.4M net interest income against $516.1M.
$345.3M total noninterest income against $226.4M; $761.7M total noninterest expense against $503.6M.
$13.8M provision for credit losses against $10.0M.
$259.5M net income against $173.0M.
1.95% return on assets against 2.00%; 6.12% net interest margin against 6.25%.
15.17% CET1 capital ratio against 15.14%; 13.34% tier 1 leverage ratio against 13.66%.
Inside the full SoFi Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSoFi Bank, N.A. rankings
Its closest position to the top of a national ranking is 46 of 4,196, for total assets; its furthest is 964 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.73% (Q4 2024) to 2.09% (Q1 2025) and its net interest margin ran from 5.94% (Q4 2025) to 6.35% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.17% | 1.95% | 0.08% | 0.53% | 6.12% |
| Q1 2026 | 15.29% | 2.04% | 0.09% | 0.58% | 5.96% |
| Q4 2025 | 16.44% | 1.90% | 0.09% | 0.58% | 5.94% |
| Q3 2025 | 17.60% | 1.94% | 0.08% | 0.50% | 6.15% |
| Q2 2025 | 15.14% | 2.00% | 0.08% | 0.54% | 6.25% |
| Q1 2025 | 16.46% | 2.09% | 0.09% | 0.56% | 6.34% |
| Q4 2024 | 17.27% | 1.73% | 0.11% | 0.65% | 6.35% |
| Q3 2024 | 17.07% | 1.98% | 0.14% | 0.81% | 6.04% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 63 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
- 3,620 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is SoFi Bank, N.A. headquartered?
It is headquartered in Cottonwood Heights, UT, United States.
When was SoFi Bank, N.A. founded?
It was established in 1986, per the FDIC institution directory.
Is SoFi Bank, N.A. FDIC-insured?
Yes. It 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.
What is SoFi Bank, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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