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SoFi Bank, National Association
Cottonwood Heights, UT·FDIC Cert #26881·Charter: OCC·Est. 19861229.0·HC: SOFI TECHNOLOGIES INC
Total Assets
$46.6B
Q4 2025
Return on Assets
1.96%
-0.05%Peer avg: 1.12%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
68.09%
Peer avg: 52.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.96%-0.05
ROE
14.17%-0.06
Efficiency
68.09%+0.54
Equity/Assets
0.00%+0.00
NPL Ratio
0.09%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.54%-7.33
Charge-offs
0.08%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.6 | 1.5 | 1.7 | 1.7 | 2.1 | 2.1 | 2.0 | 2.0 |
| ROE | 11.6 | 11.1 | 12.2 | 12.1 | 14.7 | 14.5 | 14.2 | 14.2 |
| Efficiency | 69.1 | 69.8 | 68.6 | 68.6 | 66.0 | 66.9 | 67.5 | 68.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 93.6 | 98.3 | 98.7 | 97.6 | 99.0 | 101.8 | 99.9 | 92.5 |
Balance Sheet
Total Assets$46.6B
Total Deposits$39.7B
Total Loans$36.7B
Total Equity$6.0B
Profitability
ROA1.96%
ROE14.17%
Efficiency Ratio68.09%
Net Income$737.4M
Risk & Asset Quality
NPL Ratio0.09%
Charge-off Rate0.08%
Loan/Deposit92.54%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans