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Deposits

6 Months Ended

Jun. 30, 2026

Deposits [Abstract]

Deposits

Note 8. Deposits

We offer deposit accounts to our members through SoFi Bank, which include interest-bearing deposits and noninterest-bearing deposits.

Below is a disaggregated presentation of our deposits:

						June 30, 2026						December 31, 2025
Savings deposits						$	37,020,452					$	32,461,228
Demand deposits						4,020,094						3,685,409
Time deposits(1)						4,375,711						1,240,713
Total interest-bearing deposits(2)						45,416,257						37,387,350
Noninterest-bearing deposits						126,903						118,045
Total deposits						$	45,543,160					$	37,505,395

_____________________

(1) As of June 30, 2026 and December 31, 2025, the amount of time deposits that exceeded the insured limit (referred to as “uninsured deposits”) totaled $30,545 and $26,317, respectively.

(2) As of June 30, 2026 and December 31, 2025, includes brokered deposits of $4,533,210 and $1,402,355, respectively. Brokered deposits consist of time deposits and demand deposits.

As of June 30, 2026, future maturities of our total time deposits were as follows:

Remainder of 2026			$	4,363,894
2027			5,926
2028			5,498
2029			367
2030			26
Thereafter			—
Total			$	4,375,711

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- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 942
-SubTopic 405
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478353/942-405-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph e
-Publisher SEC

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Publisher SEC

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X

- References

No definition available.

+ Details

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