SoFi Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.29% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.29% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 15.17% +8.67 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $7.08B | 7,078,531 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $46.67B | 46,672,968 | RCOAA223 |
| Recomputed ratio | 15.17% | numerator / denominator | |
| Filed ratio | 15.17% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.67 pp | $4.04B | capital that could be lost first |
Tier 1 risk-based capital ratio 15.17% +7.17 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $7.08B | 7,078,531 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $46.67B | 46,672,968 | RCOAA223 |
| Recomputed ratio | 15.17% | numerator / denominator | |
| Filed ratio | 15.17% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.17 pp | $3.34B | capital that could be lost first |
Total risk-based capital ratio 15.29% +5.29 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $7.13B | 7,134,800 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $46.67B | 46,672,968 | RCOAA223 |
| Recomputed ratio | 15.29% | numerator / denominator | |
| Filed ratio | 15.29% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.29 pp | $2.47B | capital that could be lost first |
Tier 1 leverage ratio 13.34% +8.34 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $7.08B | 7,078,531 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $53.06B | 53,060,989 | RCOAA224 |
| Recomputed ratio | 13.34% | numerator / denominator | |
| Filed ratio | 13.34% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.34 pp | $4.43B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 5,144,566 | 4,442,835 | 4,378,893 | 4,368,929 | 3,658,939 | 3,650,013 | RCOAP742 |
| Retained earnings | 2,145,305 | 1,885,797 | 1,641,189 | 1,436,974 | 1,246,806 | 1,073,794 | RCOAKW00 |
| Accumulated other comprehensive income | (11,915) | (2,609) | 10,339 | 9,613 | 3,430 | 2,400 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 7,277,956 | 6,326,023 | 6,030,421 | 5,815,516 | 4,909,175 | 4,726,207 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (199,425) | (216,136) | (240,792) | (240,902) | (223,177) | (229,231) | P859 - P840 |
| Common equity Tier 1 capital | 7,078,531 | 6,109,887 | 5,789,629 | 5,574,614 | 4,685,998 | 4,496,976 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 7,078,531 | 6,109,887 | 5,789,629 | 5,574,614 | 4,685,998 | 4,496,976 | RCOA8274 |
| Tier 2 capital | 56,269 | 51,744 | 50,731 | 50,417 | 47,562 | 44,093 | RCOA5311 |
| Allowance includable in Tier 2 capital | 56,269 | 51,744 | 50,731 | 50,417 | 47,562 | 44,093 | RCOA5310 |
| Total capital | 7,134,800 | 6,161,631 | 5,840,360 | 5,625,031 | 4,733,560 | 4,541,069 | RCOA3792 |
| Total risk-weighted assets | 46,672,968 | 39,953,375 | 35,221,924 | 31,672,531 | 30,954,306 | 27,319,777 | RCOAA223 |
| Average total assets for the leverage ratio | 53,060,989 | 47,851,179 | 42,755,205 | 38,971,463 | 34,311,563 | 32,275,857 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $3.79B | $183.7M | 4.85% | 0.39% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $4.03B | $446.1M | 11.06% | 0.96% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $2.17B | $1.95B | 90.17% | 4.19% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $37.4M | $56.1M | 150.00% | 0.12% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $40.76B | $40.76B | 99.98% | 87.32% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.85B | $1.89B | 101.75% | 4.04% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $158.5M | $158.5M | 100.00% | 0.34% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $347.6M | $13.9M | 4.00% | 0.03% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.22B | NA | 2.61% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $45.45B | ties to item 31 ($45.45B) |
|---|---|---|
| Risk-weighted assets before deductions | $46.67B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $46.67B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 15.17% | 15.17% | 15.29% | 13.34% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 15.29% | 15.29% | 15.42% | 12.77% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 16.44% | 16.44% | 16.58% | 13.54% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 17.60% | 17.60% | 17.76% | 14.30% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 15.14% | 15.14% | 15.29% | 13.66% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 16.46% | 16.46% | 16.62% | 13.93% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 17.27% | 17.27% | 17.45% | 14.43% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 17.07% | 17.07% | 17.27% | 14.04% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 16.96% | 16.96% | 17.20% | 13.97% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 16.96% | 16.96% | 17.21% | 13.91% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 17.31% | 17.31% | 17.59% | 14.96% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 15.87% | 15.87% | 16.15% | 15.77% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| SoFi Bank, N.A. (this bank) | Risk-based | 15.17% | 15.17% | 15.29% | 13.34% | |
| Frost Bank | $53.95B | Risk-based | 14.42% | 14.42% | 15.42% | 9.08% |
| BOKF, N.A. | $52.98B | Risk-based | 12.29% | 12.29% | 14.17% | 9.29% |
| Associated Bank, N.A. | $51.76B | Risk-based | 10.23% | 10.23% | 11.98% | 8.40% |
| First National Bank of Pennsylvania | $50.80B | Risk-based | 11.40% | 11.60% | 13.62% | 9.43% |
| Banco Popular de Puerto Rico | $63.34B | Risk-based | 16.40% | 16.40% | 17.66% | 7.53% |
| Columbia Bank | $65.37B | Risk-based | 12.21% | 12.21% | 13.13% | 9.68% |
| Valley National Bank | $66.23B | Risk-based | 12.28% | 12.28% | 13.34% | 10.25% |
| CIBC Bank USA | $66.50B | Risk-based | 16.86% | 16.86% | 17.98% | 14.34% |
| Peer 25th percentile | 12.01% | 12.06% | 13.29% | 8.91% | ||
| Peer median | 12.28% | 12.28% | 13.90% | 9.36% | ||
| Peer 75th percentile | 14.91% | 14.91% | 15.98% | 9.83% | ||
| This bank's percentile | 75 | 75 | 62 | 88 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/962966/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.