SoFi Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
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 21st of 44 Utah banks on return on assets, in the upper half at 1.95% (Q2 2026). Against a median of 1.30% for banks in the $10B-100B asset tier, SoFi Bank, N.A. reported 1.95% on return on assets in Q2 2026, 0.65 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.17% |
| Tier 1 risk-based capital ratio | 15.17% |
| Total risk-based capital ratio | 15.29% |
| Tier 1 leverage ratio | 13.34% |
| Equity capital to assets | 12.81% |
| Tangible equity to tangible assets | 12.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 0.55% |
| Allowance for credit losses to loans | 0.12% |
| Reserve coverage of non-performing loans | 1317.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.95% |
| Return on equity | 15.26% |
| Net interest margin | 6.12% |
| Efficiency ratio | 67.39% |
| Yield on earning assets | 8.78% |
| Cost of funds | 2.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.87% |
| Core deposits to total deposits | 90.24% |
| Brokered deposits to total deposits | 9.69% |
| Deposits to assets | 82.33% |
| Securities to assets | 7.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.87% | 15.87% | 16.15% | 15.77% | 1.83% |
| Q4 2023 | 17.31% | 17.31% | 17.59% | 14.96% | 2.30% |
| Q1 2024 | 16.96% | 16.96% | 17.21% | 13.91% | 1.63% |
| Q2 2024 | 16.96% | 16.96% | 17.20% | 13.97% | 1.48% |
| Q3 2024 | 17.07% | 17.07% | 17.27% | 14.04% | 1.98% |
| Q4 2024 | 17.27% | 17.27% | 17.45% | 14.43% | 1.73% |
| Q1 2025 | 16.46% | 16.46% | 16.62% | 13.93% | 2.09% |
| Q2 2025 | 15.14% | 15.14% | 15.29% | 13.66% | 2.00% |
| Q3 2025 | 17.60% | 17.60% | 17.76% | 14.30% | 1.94% |
| Q4 2025 | 16.44% | 16.44% | 16.58% | 13.54% | 1.90% |
| Q1 2026 | 15.29% | 15.29% | 15.42% | 12.77% | 2.04% |
| Q2 2026 | 15.17% | 15.17% | 15.29% | 13.34% | 1.95% |
SoFi Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock SoFi Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)