B
SoFi Bank, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
17.76
Leverage
Ratio
14.30
Return On
Assets
2.01%
Total
Assets
41.25B
Capital
5.82B
Total
Deposits
33.77B
Net
Income
533.17M
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Weiss Ratings SoFi Bank, National Association
Cottonwood Heights, UT 		Click to
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Rating B
Asset Quality Index 5.50
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 10.00
Stability Index 10.00
Company Info SoFi Bank, National Association
Cottonwood Heights, UT 		Click to
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FDIC Number 26881
Phone Number (916) 444-2450
Website www.goldenpacificbank.com
Asset Quality SoFi Bank, National Association
Cottonwood Heights, UT 		Click to
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1-Year Asset Growth 40.96%
5-Year Asset Growth 4,603.06%
5-Year Charge-Offs to Average Loans 0.21%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.51%
Non-Performing Loans to Loans 0.01%
Balance Sheet SoFi Bank, National Association
Cottonwood Heights, UT 		Click to
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Total Assets 41.25B
Total Deposits 33.77B
Capital and Reserves SoFi Bank, National Association
Cottonwood Heights, UT 		Click to
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Capital 5.82B
Leverage Ratio 14.30
Loan Loss Reserves to Loans 0.15%
Risk-Based Capital Ratio 17.76
Liquidity SoFi Bank, National Association
Cottonwood Heights, UT 		Click to
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Hot Money Ratio 0.10%
Liquidity Ratio 16.58%
Profitability SoFi Bank, National Association
Cottonwood Heights, UT 		Click to
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5-Year Return on Average Assets 1.28%
Net Income 533.17M
Net Interest Spread 6.24%
Operating Profit to Average Assets 2.67%
Overhead Efficiency Ratio 67.69%
Return on Assets 2.01%
Return on Equity 14.40%