BlastPoint's Banking Scorecard
SoFi Bank, National Association
Cottonwood Heights, UT
4 branches across CA · UT
SoFi Bank, National Association has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 8.8% in tier
- + Return on Assets 0.75% above tier average
- + Net Interest Margin 2.25% above tier average
- + Delinquency Rate 0.93% below tier average
- + Nonperforming Asset Ratio 0.65% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 13.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$49.7B
+51.2% YoY
+6.7% QoQ
|
+$2.3B |
$47.4B
-2.0% YoY
|
$30.1B
+16.3% YoY
|
$6.2B
+9.0% YoY
|
76% |
| Total Loans ? |
$40.9B
+50.7% YoY
+11.2% QoQ
|
+$11.2B |
$29.6B
-0.4% YoY
|
$17.9B
+6.8% YoY
|
$3.2B
+10.7% YoY
|
80% |
| Total Deposits ? |
$42.3B
+54.6% YoY
+6.6% QoQ
|
+$3.6B |
$38.7B
-1.6% YoY
|
$23.1B
+10.8% YoY
|
$4.8B
+8.0% YoY
|
77% |
| Return on Assets ? |
2.03%
-4.4% YoY
+3.7% QoQ
|
+0.75% |
1.28%
+19.3% YoY
|
2.24%
+5.6% YoY
|
1.24%
+13.1% YoY
|
Top 7.4% in tier |
| Net Interest Margin ? |
6.02%
-7.7% YoY
-2.0% QoQ
|
+2.25% |
3.77%
+5.6% YoY
|
7.76%
+10.4% YoY
|
3.89%
+5.7% YoY
|
Top 5.2% in tier |
| Efficiency Ratio ? |
66.98%
+1.4% YoY
-1.6% QoQ
|
+13.08% |
53.90%
-4.0% YoY
|
104.30%
+9.2% YoY
|
66.84%
-3.8% YoY
|
16% |
| Delinquency Rate ? |
0.09%
-5.8% YoY
-5.0% QoQ
|
-0.93% |
1.02%
-4.1% YoY
|
1.43%
+8.3% YoY
|
0.95%
+18.8% YoY
|
Top 5.2% in tier |
| Loan-to-Deposit Ratio ? |
96.53%
-2.5% YoY
+4.3% QoQ
|
+15.65% |
80.88%
+2.0% YoY
|
82.66%
+3.7% YoY
|
76.69%
+0.9% YoY
|
Bottom 12.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.34%
-28.2% YoY
-2.7% QoQ
|
-19.49% |
19.82%
+0.3% YoY
|
18.48%
+5.1% YoY
|
22.01%
-1.1% YoY
|
Bottom 10.4% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-6.1% YoY
-1.0% QoQ
|
-0.65% |
0.73%
+4.0% YoY
|
0.98%
+19.2% YoY
|
0.66%
+19.3% YoY
|
Top 7.4% in tier |
| Tier 1 Capital Ratio ? |
15.29%
-7.1% YoY
-7.0% QoQ
|
-0.27% |
15.56%
-0.1% YoY
|
22.82%
+17.1% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.62%
+5.2% YoY
-69.8% QoQ
|
+0.39% |
0.23%
+0.9% YoY
|
1.09%
+7.6% YoY
|
0.32%
+4.0% YoY
|
Top 4.4% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.