TellerScore

Headquartered in Cottonwood Heights, Utah, SoFi Bank, National Association is a national bank with $56.8B in total assets and $46.8B in deposits as of Q2 2026. It operates 4 offices across 2 states. Its charter dates back to 1986.

SoFi Bank, National Association has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 132 banks with $10 billion – $100 billion. Among 45 banks headquartered in Utah, it ranks 5th. Earnings contributes the most (99/100, 1.98%); funding & liquidity contributes the least (60/100, 100% loans-to-deposits, 5% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Tier 1 leverage ratio: 13.34%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings99/100
Return on assets (annualized): 1.98%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 99.8% · 5.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.51%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 88).

TellerScore
868991Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202487
Q4 202489
Q1 202590
Q2 202589
Q3 202591
Q4 202589
Q1 202687
Q2 202688
Tier 1 leverage ratio
5.00%9.72%14.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.97%
Q3 202414.04%
Q4 202414.43%
Q1 202513.93%
Q2 202513.66%
Q3 202514.30%
Q4 202513.54%
Q1 202612.77%
Q2 202613.34%
Noncurrent loans
0.08%0.11%0.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.15%
Q3 20240.14%
Q4 20240.11%
Q1 20250.09%
Q2 20250.08%
Q3 20250.08%
Q4 20250.09%
Q1 20260.09%
Q2 20260.08%
Return on assets
1.54%1.83%2.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.54%
Q3 20241.71%
Q4 20241.72%
Q1 20252.13%
Q2 20252.05%
Q3 20252.01%
Q4 20251.96%
Q1 20262.03%
Q2 20261.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$56.8B13.34%0.08%1.98%99.8%
Q1 202687$49.7B12.77%0.09%2.03%96.5%
Q4 202589$46.6B13.54%0.09%1.96%92.5%
Q3 202591$41.3B14.30%0.08%2.01%99.9%
Q2 202589$36.3B13.66%0.08%2.05%101.8%
Q1 202590$32.9B13.93%0.09%2.13%99.0%
Q4 202489$31.1B14.43%0.11%1.72%97.6%
Q3 202487$29.3B14.04%0.14%1.71%98.7%
Q2 202486$27.4B13.97%0.15%1.54%98.3%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.34%
95th
Total risk-based capital15.29%
70th
Problem loans0.08%
94th
Net charge-offs0.08%
62nd
Return on assets1.98%
89th
Net interest margin6.07%
95th
Efficiency ratio67.2%
11th
Loans to deposits99.8%
9th
Uninsured deposits5.0%
92nd
Loan-loss reserves0.12%
7th
Texas ratio0.5%
94th

Similar-size banks in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Sallie Mae BankBank Salt Lake City, UT74 out of 100, Strong$28.5B10.2%0.65%vs
Zions Bancorporation, N.A.Bank Salt Lake City, UT67 out of 100, Moderate$89.0B9.4%0.47%vs
Optum Bank, Inc.Bank Draper, UT93 out of 100, Very strong$21.4B13.2%0.21%vs
Comenity Capital BankBank Draper, UT58 out of 100, Moderate$13.9B12.8%3.21%vs
BMW Bank of North AmericaBank Salt Lake City, UT87 out of 100, Very strong$13.8B13.2%0.09%vs
Happen Bank, National AssociationBank Lehi, UT79 out of 100, Strong$12.5B11.0%0.82%vs

Deposit insurance

Is my money safe at SoFi Bank, National Association?

Yes. SoFi Bank, National Association is an FDIC-insured institution (FDIC certificate #26881). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 5.0% of deposits ($2.3B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.34%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.29% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

SoFi Bank, National Association lists 4 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 7,444 consumer complaints about SOFI TECHNOLOGIES, INC. to the company (3,523 in the last 12 months). 99.9% received a timely response. That is 159.1 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

Identity & history

Profile

Legal name
SoFi Bank, National Association
Former names
Golden Pacific Bank, National Association; Gold Country Bank, National Association; Foothill Community Bank, National Association; Gold Country National Bank
Type
National bank
FDIC certificate #
26881
RSSD ID
962966
Primary regulator
OCC
Holding company
Sofi Technologies Inc
Established
December 29, 1986
Headquarters
2750 E Cottonwood Pkwy, Cottonwood Heights, UT 84121
Employees
2,995

Quick answers

SoFi Bank, National Association: common questions

Is SoFi Bank, National Association FDIC insured?

Yes. SoFi Bank, National Association is an FDIC-insured institution (FDIC certificate #26881). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is SoFi Bank, National Association's TellerScore?

88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has SoFi Bank, National Association ever failed?

There is no failure record for FDIC certificate #26881 in the FDIC failed bank list.

How many branches does SoFi Bank, National Association have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Cottonwood Heights

InstitutionScoreAssetsCapitalProblem loansCompare
Uintah Credit UnionCredit union Vernal, UT100 out of 100, Very strong$3.9M21.3%0.00%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs
Optum Bank, Inc.Bank Draper, UT93 out of 100, Very strong$21.4B13.2%0.21%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs