FDIC Cert #26881 · Cottonwood Heights, Utah · Est. 1986

SoFi Bank, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$46.6B
Total assets
A
Health grade · Excellent
1.96%
Return on assets
16.4%
Tier 1 capital

Data updated July 2026

The verdict

SoFi Bank, National Association earns a PlainBankData health grade of A (93/100), with well-capitalized at 16.44% Tier 1, profitable at 1.96% ROA, 68% efficiency ratio.

#52
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
16.44%
Tier 1 ratio - above the 10% well-capitalized line
90th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 26881 · UT A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #436/4307
  • PHOTO-FINISH Hana Bank USA, Natio… · NJ
  • TIER1-WELL 16.4% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-STRONG 1.96% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: Hana Bank USA, National Association, NJ (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around SoFi Bank

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of South Texas · TX · n…93/100Bank of the West · TX · near93/100First National Bank… · TX · …93/100Hana Bank USA, Natio… · NJ ·…93/100SoFi Bank, National… · UT · …93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around SoFi Bank · July 2026

What SoFi Bank's Call Report plate shows

SoFi Bank, National Association (FDIC Cert #26881) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #436 of 4,307. Tier 1 capital prints at 16.44%, clearing the 10% well-capitalized line. The Texas Ratio is 0.55%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.96%. Balance-sheet scale is $46.6B, 52nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Hana Bank USA, National Association (NJ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around SoFi Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

SoFi Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; SoFi Bank, National Association remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

How SoFi Bank, National Association's 93/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10093/100
SoFi Bank, National Association's composite health score
Tier 1 Capital Ratio (16.44%) 40/40
Return on Assets (ROA) (1.96%) 25/25
Texas Ratio (0.55%) 20/20
Efficiency Ratio (68.09%) 8/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$46.6B

Total balance-sheet footings

Total Deposits

$39.7B

Customer-funded liabilities

Net Loans

$36.7B

Outstanding loan book

Net Income

$737M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.04% 16.44% 17.84%
Basel III capital ratios - SoFi Bank, National Association

Where SoFi Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. SoFi Bank, National Association's score of 93/100 falls in the highlighted band.

SoFi Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 10% higher than 90% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. SoFi Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

SoFi Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). SoFi Bank, National Association's $46.6B falls in the highlighted band.

Safety ratios for SoFi Bank

Tier 1 capital ratio
Well-capitalized 10%

16.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.44%
Texas Ratio
0.55%
Equity Capital
$6.0B

What these ratios mean →

Earnings posture at SoFi Bank

Return on Assets (ROA)
90th percentile nationally
1.96%
Return on Equity (ROE)
14.17%
Efficiency Ratio
68.09%

What these mean →

Income & expense at SoFi Bank

$3.3B
Interest Income
$953M
Non-Interest Income
$2.2B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. SoFi Bank, National Association reports a Texas Ratio of 0.55% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.55% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View SoFi Bank, National Association on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to SoFi Bank, National Association by assets

SoFi Bank, National Association is closely matched in total assets by EverBank, Barclays Bank Delaware, Associated Bank, Raymond James Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.22%, versus SoFi Bank, National Association's own 1.96%; the average efficiency ratio is 52.05%, versus 68.09% here; and average Tier 1 capital sits at 19.74%, versus 16.44% at SoFi Bank, National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $46.6B in assets, SoFi Bank, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to SoFi Bank, National Association nationally by total assets
  1. 1
    EverBank $46.0B

    Jacksonville, FL · Grade B

  2. 2
    Barclays Bank Delaware $47.6B

    Wilmington, DE · Grade B

  3. 3
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  4. 4
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  5. 5
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  6. 6
    Deutsche Bank Trust Company Americas $43.0B

    New York, NY · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
SoFi Bank, National Association (this bank) UT $46.6B 1.96% 68.09% 16.44%
EverBank, National Association FL $46.0B 0.72% 56.37% 12.37%
Barclays Bank Delaware DE $47.6B 0.87% 64.66% 13.63%
Associated Bank, National Association WI $45.1B 1.10% 56.64% 10.52%
Raymond James Bank FL $43.4B 1.47% 37.33% 13.95%
First National Bank of Pennsylvania PA $50.0B 1.29% 51.65% 11.37%
Deutsche Bank Trust Company Americas NY $43.0B 1.86% 45.65% 56.62%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($46.6B here), outside Utah so the neighborhood is not state containment.

EverBank $46.0B · FL Barclays Bank Delaware $47.6B · DE Associated Bank $45.1B · WI Raymond James Bank $43.4B · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) SoFi Bank, National Association (FDIC Cert #26881) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

SoFi Bank, National Association Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
American Express National BankSandy $211.3B A 3.89%
Ally BankSandy $184.6B A 0.91%
UBS Bank USASalt Lake City $119.3B A 1.13%
Synchrony BankDraper $112.1B A 2.89%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
Sallie Mae BankSalt Lake City $29.7B A 2.90%
Optum Bank, Inc.Draper $20.8B A 2.69%