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Sofi Bank, National Association

Cottonwood Heights, UT · Cert 26881 · Sofi Technologies Inc.

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

72

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

83

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sofi Bank, National Association

Cottonwood Heights, UT · Cert 26881 · Sofi Technologies Inc.

National charter · OCC · 4 branches

Q2 2026

$56.8BAssets
$46.7BLoans
$46.8BDeposits
$7.3BEquity
Loan mix
4%RE $1.8B0%C&I $0.0B96%Consumer $38.4BQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $46.6B0%Noninterest $0.1BQ2 2025Q2 2026

NIM

9.43%Q2 ’248.68%Q2 ’257.92%Q2 ’26-2%-6%

Non-interest income vs. expense

5.06%Q2 ’245.55%Q2 ’255.36%Q2 ’26-18%-7%

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 4.0% share · #7 of 57 inst. · $46.6B of $1175.7B

4.0% Salt Lake
4.9% Sutter
0.0% Sacramento

Executive Summary

  • Earnings: ROA of 1.98%, down 8 bps year over year; NIM at 5.54%.
  • Asset quality: problem loans at 0.08% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 13.34%, down 32 bps from a year ago.
  • Funding: loans stand at 99.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.98%-8 bps YoY

Net Interest Margin (YTD, annualized)

5.54%-35 bps YoY

Efficiency Ratio (YTD, annualized)

67.20%+31 bps YoY

Tier 1 Leverage Ratio

13.34%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.05%2.01%1.96%2.03%1.98%-8 bps
Return on Equity14.52%14.23%14.17%15.84%15.41%+88 bps
Net Interest Margin5.89%5.43%5.14%5.75%5.54%-35 bps
Efficiency Ratio66.89%67.55%68.09%66.98%67.20%+31 bps
Non-Interest Burden3.12%2.91%2.79%3.00%2.92%-21 bps
Growth
Asset Growth (YoY)32.61%40.96%49.80%51.16%56.60%+2,399 bps
Loan Growth (YoY)33.16%38.92%44.73%50.64%54.10%+2,095 bps
Deposit Growth (YoY)28.56%37.34%52.67%54.55%57.39%+2,883 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.08%0.09%0.09%0.08%0 bps
Net Charge-Offs / Loans0.10%0.08%0.07%0.08%0.07%-2 bps
Allowance / Loans0.16%0.15%0.14%0.13%0.12%-4 bps
Allowance Coverage of NPLs1.9x1.8x1.5x1.5x1.5x-0.4x
Capital
Tier 1 Leverage Ratio13.66%14.30%13.54%12.77%13.34%-32 bps
Total Risk-Based Capital15.29%17.76%16.58%15.42%15.29%-1 bps
Equity / Assets13.53%14.10%12.95%12.74%12.81%-72 bps
Liquidity & Funding
Loans / Deposits102.01%100.02%92.67%96.65%99.87%-213 bps
Liquid Assets / Assets5.97%7.75%9.98%6.52%5.32%-65 bps
CRE / Total Capitaln/a2.68%2.75%2.59%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sofi Bank, National Association

Cottonwood Heights, UT · Cert 26881 · Peer group: banks over $10B in assets (n=142-144) · Sofi Technologies Inc.

National charter · OCC · 4 branches

Q2 2026

$56.8BAssets
$46.7BLoans
$46.8BDeposits
$7.3BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 96% of banks over $10B in assets (rank 6 of 142).
  • Widest gap: efficiency ratio trails 85% of banks over $10B in assets (rank 123 of 144).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.77%

Rank 23 of 144

Net Interest Margin

5.54%

Rank 11 of 144

Efficiency Ratio

67.30%

Rank 123 of 144

Equity / Assets

12.81%

Rank 40 of 144

Non-interest income vs. expense

$1.3B$2.9BINCOMEEXPENSE
Unfavorable gap of $1.6B · efficiency ratio beats 15% of banks over $10B in assets
Bank 67.30%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.77%1.00%1.26%1.54%Beats 84%23 / 144
Return on Equity13.85%8.98%11.34%14.40%Beats 73%39 / 144
Net Interest Margin5.54%2.82%3.31%3.68%Beats 92%11 / 144
Efficiency Ratio67.30%49.42%56.02%62.41%Beats 15%123 / 144
Asset Quality
Nonperforming Loans / Loans0.08%0.48%0.73%1.07%Beats 96%6 / 142
Net Charge-Offs / Loans0.04%0.05%0.11%0.22%Beats 78%32 / 142
Capital
Tier 1 Capital Ratio15.17%12.07%12.98%14.92%Beats 78%31 / 144
Total Risk-Based Capital Ratio15.29%13.39%14.14%16.25%Beats 67%48 / 144
Equity / Assets12.81%9.69%11.39%12.96%Beats 72%40 / 144
Liquidity & Funding
Loans / Deposits99.87%75.72%84.92%91.56%91st pctl13 / 143
Loans / Assets82.23%59.83%69.07%74.80%94th pctl8 / 144
Brokered Deposits / Depositsn/aNot reported for this institution