Sofi Bank National Assn (FDIC #26881): Bank Stress & Real-Estate Credit Exposure
Sofi Bank National Assn (FDIC Cert #26881): bank stress 41/100, contained, STABLE over 7 days; parent SOFI TECHNOLOGIES INC.
Sofi Bank National Assn (#26881) lends in 3 counties across 2 states; Sofi Bank National Assn (#26881) reaches 112 ZIP codes: California 2 counties, 70 ZIPs; Utah 1 county, 42 ZIPs.
Sofi Bank National Assn (#26881) largest markets: Sacramento County, CA (58 branches, 58 ZIPs) (#26881), Salt Lake County, UT (42 branches, 42 ZIPs) (#26881), Sutter County, CA (28 branches, 14 ZIPs) (#26881).
Sofi Bank National Assn (#26881) reports $56.82 billion in total assets; Sofi Bank National Assn (#26881) equity $7.28 billion (12.8% of Sofi Bank National Assn (#26881) assets); Sofi Bank National Assn (#26881) domestic deposits $46.78 billion; Sofi Bank National Assn (#26881) net income $504.1 million; Sofi Bank National Assn (#26881) return on assets 1.98%; Sofi Bank National Assn (#26881) return on equity 15.41%; Sofi Bank National Assn (#26881) net interest income $1.47 billion; Sofi Bank National Assn (#26881) call report June 30, 2026.
Sofi Bank National Assn (#26881) noncurrent real-estate loans: none reported; Sofi Bank National Assn (#26881) net charge-offs on real estate 0.06%; Sofi Bank National Assn (#26881) residential charge-offs 1.76%.
Sofi Bank National Assn (#26881) net interest margin 6.07% against an eight-quarter Sofi Bank National Assn (#26881) average of 6.25% (Sofi Bank National Assn (#26881) compression 0.17 points); Sofi Bank National Assn (#26881) non-residential real estate 176.2% of equity; Sofi Bank National Assn (#26881) rate-exposure score 50/100, Sofi Bank National Assn (#26881) fixed-rate trap 50/100; Sofi Bank National Assn (#26881) risk type rate trapped; Sofi Bank National Assn (#26881) rate regime rates elevated, Sofi Bank National Assn (#26881) snapshot October 19, 2026.
Sofi Bank National Assn (#26881) stress score moved from 39 on June 22, 2026 to 41.2 on October 19, 2026; Sofi Bank National Assn (#26881) ranged 39 to 41.2 over 116 snapshots.
Sofi Bank National Assn (#26881) alerts: 3 counties; top Sofi Bank National Assn (#26881) alert scores: Sacramento County, UT 18 (low); Salt Lake City County, UT 18 (low); Yuba City County, UT 18 (low).