BlastPoint's Banking Scorecard
SoFi Bank, National Association
$10B-$250B
Specialty: Consumer
UT
FDIC cert 26881
Cottonwood Heights, UT
4 branches across CA · UT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 12 in UT.
- Deposits +57.4% year over year ($46.8B on the books).
- Delinquency rate 0.08%.
- Return on assets 1.98%.
- Efficiency ratio 67.20% vs a 53.67% peer average.
- Loan-to-deposit ratio 99.75% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
139
banks in the $10B-$250B peer group nationally
12 in UT
View $10B-$250B leaderboard (UT) →
SoFi Bank, National Association has 5 strengths but faces 3 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 17.1% in tier
- + Net Interest Margin 2.15% above tier average
- + Delinquency Rate 0.93% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.59% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 17.14% above tier average
- - Non-Interest-Bearing Deposit Share 20.28% below tier average
- - Efficiency Ratio 13.53% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$56.8B
+56.6% YoY
+14.4% QoQ
|
+$13.2B |
$43.6B
-13.8% YoY
|
$31.1B
+21.2% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$46.7B
+54.2% YoY
+14.2% QoQ
|
+$18.7B |
$28.0B
-8.6% YoY
|
$18.5B
+10.6% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$46.8B
+57.4% YoY
+10.5% QoQ
|
+$11.4B |
$35.4B
-14.0% YoY
|
$23.9B
+15.2% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.98%
-3.8% YoY
-2.8% QoQ
|
+0.59% |
1.39%
+25.9% YoY
|
2.15%
+9.7% YoY
|
1.30%
+12.1% YoY
|
Top 11.5% in tier |
| Net Interest Margin ? |
6.07%
-4.4% YoY
+0.9% QoQ
|
+2.15% |
3.92%
+8.9% YoY
|
7.81%
+8.6% YoY
|
3.95%
+4.9% YoY
|
Top 6.5% in tier |
| Efficiency Ratio ? |
67.20%
+0.5% YoY
+0.3% QoQ
|
+13.53% |
53.67%
-1.9% YoY
|
105.46%
+37.7% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate ? |
0.08%
-4.6% YoY
-8.1% QoQ
|
-0.93% |
1.01%
-2.8% YoY
|
1.38%
+2.5% YoY
|
0.98%
+16.3% YoY
|
Top 3.6% in tier |
| Loan-to-Deposit Ratio ? |
99.75%
-2.1% YoY
+3.3% QoQ
|
+17.14% |
82.61%
+3.1% YoY
|
83.52%
+2.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 7.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.30%
-38.7% YoY
-9.5% QoQ
|
-20.28% |
20.58%
+4.9% YoY
|
17.78%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.9% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-6.1% YoY
-8.2% QoQ
|
-0.67% |
0.73%
+5.8% YoY
|
0.92%
+4.0% YoY
|
0.69%
+15.8% YoY
|
Top 6.5% in tier |
| Tier 1 Capital Ratio ? |
15.17%
+0.2% YoY
-0.8% QoQ
|
-0.18% |
15.35%
-0.4% YoY
|
21.39%
+2.0% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
1.15%
-0.7% YoY
+85.9% QoQ
|
+0.65% |
0.50%
+10.5% YoY
|
2.21%
+5.7% YoY
|
0.66%
+5.2% YoY
|
Top 7.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
0.3%
-0.2pp YoY 0.0pp QoQ |
-20.7pp | 21.0% | 20.1% | 22.2% | 5% |
| Brokered Deposits |
9.7%
+7.8pp YoY +6.8pp QoQ |
+0.5pp | 9.2% | 28.6% | 8.5% | 73% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.0%
0.0pp YoY 0.0pp QoQ |
-17.2pp | 17.2% | 25.0% | 12.5% | 2% |
| CRE | n/a | n/a | 42.0% | 44.1% | 41.4% | n/a |
| 1-4 Family |
4.6%
+3.4pp YoY +0.6pp QoQ |
-18.5pp | 23.1% | 13.8% | 31.3% | 8% |
| Consumer |
93.8%
-1.7pp YoY -0.1pp QoQ |
+80.9pp | 12.9% | 45.8% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.2%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 15.3% | 25.0% | 19.7% | 79% |
| Leverage Ratio |
13.3%
-0.3pp YoY +0.6pp QoQ |
+2.9pp | 10.4% | 15.7% | 12.6% | 95% |
| Total Capital Ratio |
15.3%
0.0pp YoY -0.1pp QoQ |
-1.2pp | 16.5% | 26.3% | 20.8% | 68% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
2,995
+1337 (+80.6%) YoY +878 (+41.5%) QoQ |
-263 | 3,258 | 1,029 | 482 | 69% |
| Assets per Employee ($) |
$19.0M
-13.3% YoY -19.1% QoQ |
-$8.1M | $27.0M | $39.6M | $8.8M | 75% |
| Branch Count |
4
0 YoY 0 QoQ |
-134 | 137 | 13 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.4% | 0.6% | 0.4% | 61% |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 0.7% | 1.2% | 1.0% | 1% |
| Allowance Coverage |
1.51x
-19.7% YoY +3.5% QoQ |
-1.30x | 2.81x | 7.86x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.4% | 3.6% | 0.2% | 31% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
+0.9pp YoY -0.4pp QoQ |
+2.8pp | 12.6% | 15.9% | 11.6% | 77% |
| Cost of Funds (YTD) |
2.6%
-0.4pp YoY 0.0pp QoQ |
+0.7pp | 2.0% | 2.3% | 1.7% | 84% |
| Net Income ($, YTD) |
$504.1M
+47.0% YoY — QoQ |
+$207.3M | $296.8M | $307.8M | $40.4M | 84% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (1)
Revenue Diversifier
growth
#7 of 35 • Top 17.1% in tier
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.15%
(Tier: 0.50%, National: 0.66%)
Return on Assets:
1.98%
(Tier: 1.39%, National: 1.30%)
35 of 35 Large banks match
·
923 nationally
→ Stable
|
QoQ rank declining
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (9 metrics)
6
Delinquency Rate
credit_quality
Value:
0.08%
Peer Median: 1.01%
#6 of 138
Top 3.6% in $10B-$250B
10
Net Interest Margin
profitability
Value:
6.07%
Peer Median: 3.92%
#10 of 139
Top 6.5% in $10B-$250B
10
Nonperforming Asset Ratio
credit_quality
Value:
0.07%
Peer Median: 0.73%
#10 of 139
Top 6.5% in $10B-$250B
11
Non-Interest Income / Assets
revenue_mix
Value:
1.15%
Peer Median: 0.50%
#11 of 139
Top 7.2% in $10B-$250B
17
Return on Assets
profitability
Value:
1.98%
Peer Median: 1.39%
#17 of 139
Top 11.5% in $10B-$250B
24
Total Loans
size
Value:
$46.67B
Peer Median: $27.97B
#24 of 139
Top 16.5% in $10B-$250B
29
Total Assets
size
Value:
$56.82B
Peer Median: $43.60B
#29 of 139
Top 20.1% in $10B-$250B
29
Total Deposits
size
Value:
$46.78B
Peer Median: $35.42B
#29 of 139
Top 20.1% in $10B-$250B
30
Tier 1 Capital Ratio
capital
Value:
15.17%
Peer Median: 15.35%
#30 of 139
Top 20.9% in $10B-$250B
Top Weaknesses (3 metrics)
130
Loan-to-Deposit Ratio
liquidity
Value:
99.75%
Peer Median: 82.61%
#130 of 139
Bottom 7.2% in $10B-$250B
129
Non-Interest-Bearing Deposit Share
funding
Value:
0.30%
Peer Median: 20.58%
#129 of 139
Bottom 7.9% in $10B-$250B
123
Efficiency Ratio
profitability
Value:
67.20%
Peer Median: 53.67%
#123 of 139
Bottom 12.2% in $10B-$250B