🏦Bank Scorer

SOFI BANK, NATIONAL ASSOCIATION

COTTONWOOD HEIGHTS, UT · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1986FDIC #26,881
Satisfactory Same

Current rating · Exam: June 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.03%

Institution Profile

FDIC BankFind

Address

2750 E Cottonwood Pkwy, COTTONWOOD HEIGHTS, UT

County

Salt Lake County

Established

December 29, 1986

Total Assets

$49.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 5, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$49.7B

Total Deposits

$42.3B

Net Loans

$40.9B

Net Income

$245M

ROA

2.03%

ROE

15.84%

Risk-Based Capital

15.42%

Regulatory minimum: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate16.67%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$29.7B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415,48737.88%16.67%
20238,48632.71%15.79%
20224,99116.39%47.87%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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