SoFi Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 3.22 percentage points in Q2 2026, from 96.65% to 99.87%. It was the largest change from Q1 2026 among the key lines here. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $46.72B |
| Net loans and leases | $46.67B |
| Loans held for sale | $29.47B |
| Loans to total assets | 82.23% |
| Loan-to-deposit ratio | 99.87% |
| Net loans to equity capital | 6.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.04% |
| Multifamily (5+ residential) | 0.31% |
| Commercial and industrial | 0.01% |
| Consumer | 93.67% |
| Credit cards | 1.12% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.26% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.05B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $17.91B | $16.03B | 0.13% | 0.04% | 98.99% |
| Q4 2023 | $19.82B | $18.88B | 0.12% | 0.03% | 96.87% |
| Q1 2024 | $20.42B | $21.76B | 0.10% | 0.03% | 94.91% |
| Q2 2024 | $22.77B | $23.12B | 0.09% | 0.02% | 91.25% |
| Q3 2024 | $24.31B | $24.59B | 0.09% | 0.02% | 94.97% |
| Q4 2024 | $25.42B | $26.01B | 0.08% | 0.02% | 95.64% |
| Q1 2025 | $27.15B | $27.38B | 0.07% | 0.02% | 95.09% |
| Q2 2025 | $30.32B | $29.72B | 0.06% | 0.01% | 95.31% |
| Q3 2025 | $33.77B | $33.77B | 0.05% | 0.01% | 94.59% |
| Q4 2025 | $36.79B | $39.71B | 0.05% | 0.01% | 93.90% |
| Q1 2026 | $40.91B | $42.32B | 0.05% | 0.01% | 93.76% |
| Q2 2026 | $46.72B | $46.78B | 0.04% | 0.01% | 93.67% |
SoFi Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock SoFi Bank, N.A., freeSource: Call Report Schedule RC-C, 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)