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
Unfavorable gap of $1.6B · efficiency ratio beats 15% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 1.00% | 1.26% | 1.54% | Beats 84% | 23 / 144 | |
| Return on Equity | 13.85% | 8.98% | 11.34% | 14.40% | Beats 73% | 39 / 144 | |
| Net Interest Margin | 5.54% | 2.82% | 3.31% | 3.68% | Beats 92% | 11 / 144 | |
| Efficiency Ratio | 67.30% | 49.42% | 56.02% | 62.41% | Beats 15% | 123 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.48% | 0.73% | 1.07% | Beats 96% | 6 / 142 | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.11% | 0.22% | Beats 78% | 32 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 15.17% | 12.07% | 12.98% | 14.92% | Beats 78% | 31 / 144 | |
| Total Risk-Based Capital Ratio | 15.29% | 13.39% | 14.14% | 16.25% | Beats 67% | 48 / 144 | |
| Equity / Assets | 12.81% | 9.69% | 11.39% | 12.96% | Beats 72% | 40 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 99.87% | 75.72% | 84.92% | 91.56% | 91st pctl | 13 / 143 | |
| Loans / Assets | 82.23% | 59.83% | 69.07% | 74.80% | 94th pctl | 8 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |