SoFi Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks SoFi Bank, N.A. of Cottonwood Heights, UT against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.95% | 1.39% | +0.56% | 89th top |
| ROAE | 15.26% | 12.21% | +3.05% | 79th top |
| Net Interest Margin | 6.12% | 3.80% | +2.32% | 96th top |
| Efficiency Ratio | 67.39% | 54.14% | +13.25% | 14th bottom |
| PPNR / Avg Assets | 2.76% | 2.04% | +0.72% | 90th top |
| Yield on Earning Assets | 8.78% | 5.69% | +3.09% | 96th top |
| Cost of Funds | 2.99% | 2.02% | +0.97% | 11th bottom |
| Net Interest Spread | 5.75% | 3.11% | +2.64% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.99% | -0.98% | 98th top |
| NPA / Total Assets | 0.01% | 0.72% | -0.71% | 97th top |
| NCO / Avg Loans | 0.08% | 0.33% | -0.25% | 65th above |
| ACL / Total Loans | 0.12% | 1.40% | -1.28% | 2nd bottom |
| ACL / NPLs (Coverage) | 1317.29% | 226.95% | +1090.34% | — |
| Texas Ratio | 0.55% | 8.93% | -8.38% | 95th top |
| Provision / NCO | 132.26% | 123.21% | +9.05% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.17% | 15.65% | -0.48% | 80th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.17% | 15.78% | -0.61% | 79th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.29% | 16.92% | -1.63% | 69th above |
| Leverage Ratio | 13.34% | 10.48% | +2.86% | 96th top |
| Equity / Assets | 12.81% | 11.70% | +1.11% | 72nd above |
| TCE / Tangible Assets | 12.39% | 9.70% | +2.69% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.87% | 84.47% | +15.40% | 9th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.24% | 86.59% | +3.65% | 48th below |
| Uninsured Deposit Ratio | 5.01% | 37.08% | -32.07% | 95th top |
| Wholesale Funding Ratio | 2.62% | 5.86% | -3.24% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 56.60% | 11.60% | +45.00% | 96th top |
| Loan Growth (Y/Y) | 54.10% | 11.04% | +43.06% | 95th top |
| Deposit Growth (Y/Y) | 57.39% | 10.99% | +46.40% | 97th top |
See SoFi Bank, N.A.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock SoFi Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full SoFi Bank, N.A. profile, how to read a UBPR, or how this data updates.