SoFi Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 6.75 percentage points higher than in Q1 2026, at 9.69%. SoFi Bank, N.A. ranks 18th of 44 Utah banks on loan-to-deposit ratio, in the upper half at 99.87% (Q2 2026). SoFi Bank, N.A. reported 99.87% on loan-to-deposit ratio for Q2 2026, 13.04 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.79B |
| Cash and noninterest-bearing balances to assets | 6.67% |
| Cash and securities | $7.82B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.49B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.62% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.87% |
| Net loans and leases to deposits | 99.75% |
| Loans and leases to core deposits | 99.94% |
| Core deposits to total deposits | 90.24% |
| Brokered deposits to total deposits | 9.69% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 111.72% | 83.52% | $0 | $2.22B |
| Q4 2023 | 104.96% | 83.14% | $0 | $1.38B |
| Q1 2024 | 93.84% | 87.74% | $0 | $0 |
| Q2 2024 | 98.49% | 91.94% | $0 | $0 |
| Q3 2024 | 98.88% | 94.23% | $0 | $0 |
| Q4 2024 | 97.75% | 96.92% | $0 | $0 |
| Q1 2025 | 99.16% | 98.72% | $0 | $146.3M |
| Q2 2025 | 102.01% | 98.04% | $0 | $1.04B |
| Q3 2025 | 100.02% | 95.28% | $0 | $893.7M |
| Q4 2025 | 92.67% | 96.40% | $0 | $0 |
| Q1 2026 | 96.65% | 96.99% | $0 | $0 |
| Q2 2026 | 99.87% | 90.24% | $0 | $1.49B |
SoFi Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock SoFi Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)