SoFi Bank, National Association
Cottonwood Heights, UT
IDRSSD: 962966
Total Assets
$46.57B
Latest filing
Total Deposits
$39.71B
Latest filing
Net Interest Margin
5.87%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
SoFi Bank, National Association
2750 E Cottonwood Pkwy
Cottonwood Heights, UT 84121
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/29/1986FDIC Certificate 36178
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| SoFi Bank, National Association (Main) | 2750 E Cottonwood Pkwy | Cottonwood Heights, UT |
| LIVE OAK BRANCH | 9960 Live Oak Blvd | Live Oak, CA |
| YUBA CITY BRANCH 04 | 620 N Walton Ave | Yuba City, CA |
| SACRAMENTO OFFICE BRANCH | 1409 28th St | Sacramento, CA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 12/29/1986 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 84121 |
| State and County Number | 49035 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Salt Lake City, UT |
Operational Info
| Number of Employees | 1,827 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/31/2023 |
| Date of Deposit Insurance | 12/29/1986 |
| Primary Insurance Agency | DIF |
| Website | www.sofi.com |
| Data Updated | 01/30/2026 |
| CERT | 26881 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $46.57B |
| Total Deposits | $39.71B |
| Total Liabilities | $40.54B |
| Total Equity Capital | $6.03B |
| Net Income | $204.22M |
| Net Loans and Leases | $36.74B |
| Assets Per Employee ($Millions) | $23.91M |
| Bank Premises and Fixed Assets | $3.40M |
| Cash and Balances due from Depository Institutions | $5.41B |
| Deposits Held in Domestic Offices | $39.71B |
Key Performance Ratios
| Return on Assets (ROA) | 1.86% |
| Return on Equity (ROE) | 13.79% |
| Net Interest Margin | 5.87% |
| Efficiency Ratio | 69.47% |
| Tier 1 Risk-Based Capital Ratio | 16.438% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.95% |
| Earning Assets to total Assets | 94.66% |
Income and Expense
| Total Interest Income | $911.74M |
| Total Noninterest Income | $273.68M |
| Total Interest Expense | $299.42M |
| Total Noninterest Expense | $616.63M |
| Net Interest Income | $612.33M |
| Pre-tax Net Operating Income | $263.97M |
| Provision for Credit Losses | $5.41M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $830.96M |
| Total Liabilities and Capital | $46.57B |
Securities
| Securities | $2.60B |
| Available-for-sale debt securities | $2.60B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $89.52M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of SoFi Bank, National Association?
$46.57B as of the latest filing.
How much are SoFi Bank, National Association's total deposits?
$39.71B in total deposits.
Where is SoFi Bank, National Association located?
Cottonwood Heights, UT.
What is the Net Interest Margin?
5.87%.
How many domestic offices does it operate?
4.
When was it established?
12/29/1986.
What is the Return on Assets (ROA)?
1.86%.
How much are total loans and leases?
$36.74B (latest filing).
What is the total interest income (latest filing)?
$911.74M.