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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cottonwood Heights, UT · FDIC certificate #26881 · RSSD 962966
SOFI BANK NATIONAL ASSN is an FDIC-insured institution based in Cottonwood Heights, UT (FDIC certificate #26881). In its Q3 2026 Call Report it reported total assets of $63.5B, total deposits of $51.8B and net loans of $52.5B. Its primary federal regulator is OCC. Its current parent is SOFI TECHNOLOGIES, INC..
Reported facts
Deterministic ratios for SOFI BANK NATIONAL ASSN from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $51.8B |
|---|---|
| Net loans and leases | $52.5B |
Plain-language readout
SOFI BANK NATIONAL ASSN in Cottonwood Heights, UT funds its loans with $51.8B of deposits and holds $52.5B of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for SOFI BANK NATIONAL ASSN in Q3 2026; none is estimated.
Against banks of similar size for the same filing period: Brokered deposits to domestic deposits: 0.097 against a peer median of 0.063, a 71.9th percentile position among 33 peers. Common equity tier 1 ratio: 0.152 against a peer median of 0.123, a 81.3th percentile position among 33 peers. Selected CRE loans to gross loans and leases: 0.004 against a peer median of 0.283, a 9.4th percentile position among 33 peers. Selected CRE loans to total capital: 0.023 against a peer median of 1.619, a 9.4th percentile position among 33 peers.
The loan-to-deposit ratio computed from net loans and total deposits was 101.24% in Q3 2026, against 104.67% in Q4 2023. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $52.5B | $51.8B | 101.24% |
| Q2 2026 | $46.7B | $46.8B | 99.75% |
| Q1 2026 | $40.9B | $42.3B | 96.53% |
| Q4 2025 | $36.7B | $39.7B | 92.54% |
| Q3 2025 | $33.7B | $33.8B | 99.87% |
| Q2 2025 | $30.3B | $29.7B | 101.84% |
| Q1 2025 | $27.1B | $27.4B | 99.00% |
| Q4 2024 | $25.4B | $26.0B | 97.57% |
| Q3 2024 | $24.3B | $24.6B | 98.69% |
| Q2 2024 | $22.7B | $23.1B | 98.26% |
| Q1 2024 | $20.4B | $21.8B | 93.60% |
| Q4 2023 | $19.8B | $18.9B | 104.67% |