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Sofi Bank, National Association
Cottonwood Heights, UT · FDIC Certificate #26881 · Chartered 12/2
Total assets
$56.82B
Total deposits
$46.78B
Total equity
$7.28B
Net loans
$46.67B
Branches (offices)
4
Net income (YTD)
$504.12M
Rank: #46 of 4,213 U.S. banks by assets · #7 of 44 in Utah. Assets changed 56.6% and deposits 57.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.98% |
| Return on equity | 15.41% |
| Net interest margin (YTD) | 6.07% |
| Equity to assets | 12.81% |
| Tier 1 leverage ratio | 13.34% |
| Uninsured deposits (share of deposits) | 5.0% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 99.8% |
| Real estate loans (share of loans) | 5.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.33B | 5.0% | |
| Commercial & industrial | $3.92M | 0.0% | |
| Consumer / individual | $43.76B | 93.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.42B | $2.76B | $23.43M | $957.13M |
| Jun 2023 | $17.70B | $13.25B | $136.05M | $2.37B |
| Jun 2024 | $27.36B | $23.12B | $197.33M | $3.80B |
| Jun 2025 | $36.28B | $29.72B | $343.00M | $4.91B |
| Jun 2026 | $56.82B | $46.78B | $504.12M | $7.28B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $46.61B | 1 |
| California | $171.16M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $46.78B.
Similar-sized banks
Banco Popular De Puerto Rico ($63.34B) · Frost Bank ($53.95B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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