SoFi Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 356.7% lower than in Q1 2026, at -$11.9M. Within Utah, SoFi Bank, N.A. is 16th of 28 on CET1 ratio, 15.17% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. SoFi Bank, N.A. sits 2.21 points higher, at 15.17% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.17% |
| Tier 1 risk-based capital ratio | 15.17% |
| Total risk-based capital ratio | 15.29% |
| Tier 1 leverage ratio | 13.34% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.08B |
| Tier 1 capital | $7.08B |
| Total risk-based capital | $7.13B |
| Total equity capital | $7.28B |
| Risk-weighted assets | $46.67B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.81% |
| Tangible equity to tangible assets | 12.39% |
| Equity capital to average assets | 13.66% |
| Internal capital growth rate | 16.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $5.14B |
| Retained earnings | $2.15B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.87% | 15.87% | 16.15% | 15.77% | $18.38B |
| Q4 2023 | 17.31% | 17.31% | 17.59% | 14.96% | $19.24B |
| Q1 2024 | 16.96% | 16.96% | 17.21% | 13.91% | $19.97B |
| Q2 2024 | 16.96% | 16.96% | 17.20% | 13.97% | $21.52B |
| Q3 2024 | 17.07% | 17.07% | 17.27% | 14.04% | $23.69B |
| Q4 2024 | 17.27% | 17.27% | 17.45% | 14.43% | $25.21B |
| Q1 2025 | 16.46% | 16.46% | 16.62% | 13.93% | $27.32B |
| Q2 2025 | 15.14% | 15.14% | 15.29% | 13.66% | $30.95B |
| Q3 2025 | 17.60% | 17.60% | 17.76% | 14.30% | $31.67B |
| Q4 2025 | 16.44% | 16.44% | 16.58% | 13.54% | $35.22B |
| Q1 2026 | 15.29% | 15.29% | 15.42% | 12.77% | $39.95B |
| Q2 2026 | 15.17% | 15.17% | 15.29% | 13.34% | $46.67B |
SoFi Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock SoFi Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full SoFi Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26881) · FFIEC NIC profile (RSSD 962966)