B
SoFi Bank, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
15.29
Leverage
Ratio
13.66
Return On
Assets
2.05%
Total
Assets
36.28B
Capital
4.91B
Total
Deposits
29.72B
Net
Income
343.01M
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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 32.61%
5-Year Asset Growth 4,603.06%
5-Year Charge-Offs to Average Loans 0.21%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.54%
Non-Performing Loans to Loans 0.01%
Balance Sheet SoFi Bank, National Association
Cottonwood Heights, UT 		Click to
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Total Assets 36.28B
Total Deposits 29.72B
Capital and Reserves SoFi Bank, National Association
Cottonwood Heights, UT 		Click to
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Capital 4.91B
Leverage Ratio 13.66
Loan Loss Reserves to Loans 0.16%
Risk-Based Capital Ratio 15.29
Liquidity SoFi Bank, National Association
Cottonwood Heights, UT 		Click to
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Hot Money Ratio 0.12%
Liquidity Ratio 14.43%
Profitability SoFi Bank, National Association
Cottonwood Heights, UT 		Click to
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5-Year Return on Average Assets 1.28%
Net Income 343.01M
Net Interest Spread 6.30%
Operating Profit to Average Assets 2.74%
Overhead Efficiency Ratio 67.04%
Return on Assets 2.05%
Return on Equity 14.52%