Side-by-side · Q2 2026 data
SoFi Bank, National Association vs River Valley Community Bank
Metric by metric
| Measure | SoFi Bank, National Association | River Valley Community Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 65 |
| Capital cushion | 83 (stronger) | 37 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 99 (stronger) | 47 |
| Funding & liquidity | 60 | 62 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 99th | 29th |
| Total assets | $56.8B | $793.1M |
| Deposits / shares | $46.8B | $704.9M |
| Capital ratio | 13.34% (stronger) | 8.73% |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.08% | 0.04% (stronger) |
| Return on assets | 1.98% (stronger) | 0.67% |
| Loans ÷ deposits | 99.8% | 56.8% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 49.2% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | 7,444 | — |
| Complaints per $1B deposits | 159.1 | — |
| Mortgage denial rate (HMDA) | — | — |
SoFi Bank, National Association has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), SoFi Bank, National Association leads on 4 and River Valley Community Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.