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SoFi10-K: Margin pressure

SoFi incurred $19.3 million in FDIC insurance expenses in 2025.

Read at SEC EDGAR

What happened

The company paid a significant $19.3 million for FDIC deposit insurance in 2025. This represents a material operating cost that directly impacts profitability, creating an incentive to optimize asset structures or find efficiencies to offset this expense.

Source

SEC EDGARFeb 17, 2026

Annual report (Form 10-K)

SoFi 10-K for FY2025

Filing excerpt

For 2025, the FDIC insurance expense for SoFi Bank was $19.3 million.

sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htmRead the full source

Other signals in this filing (11)

Extracted by Autobound

From the Signal API record
Signal
10-K: Margin pressure

What this signalsFilings often name leadership changes, deals and spending plans.

Period
FY2025
Fiscal year end
12/31
Filed
Feb 17, 2026

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The full record

From the Signal API record

Numbers

Dollar figure
$19.3M (FDIC insurance expense for 2025)

Details

CIK
1818874
Accession number
0001818874-26-000013
Timeframe
Current year
Filing year
2026
Why it matters
Efficiency tools needed
Signal category
Financial

Extraction

Confidence
High
Relevance
70%
Sentiment
Negative
Detected
Feb 24, 2026
signal_type
sec-10k
signal_subtype
marginPressure

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This page shows a preview. The full sec-10k record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.

Company

  • linkedin_urlValue in the API
  • industriesValue in the API
  • employee_count_lowValue in the API
  • employee_count_highValue in the API
  • revenueValue in the API
  • descriptionValue in the API

Signal

  • signal_nameValue in the API
  • associationValue in the API
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Show the full JSONThe record on this page and the API request

GET /v1/signals/59341392-274c-4f2d-8add-b9a0263b94be returns this record as JSON. POST /v1/companies/enrich returns every signal for sofi.com.

{
  "signal_id": "59341392-274c-4f2d-8add-b9a0263b94be",
  "signal_type": "sec-10k",
  "signal_subtype": "marginPressure",
  "detected_at": "2026-02-24T09:25:47.7+00:00",
  "company": {
    "name": "SoFi",
    "domain": "sofi.com"
  },
  "data": {
    "detail": "The company paid a significant $19.3 million for FDIC deposit insurance in 2025. This represents a material operating cost that directly impacts profitability, creating an incentive to optimize asset structures or find efficiencies to offset this expense.",
    "metrics": {
      "timeframe": "current_year",
      "dollar_context": "FDIC insurance expense for 2025",
      "dollar_millions": 19.3
    },
    "summary": "SoFi incurred $19.3 million in FDIC insurance expenses in 2025.",
    "excerpts": "For 2025, the FDIC insurance expense for SoFi Bank was $19.3 million.",
    "relevance": 0.7,
    "sentiment": "negative",
    "confidence": "high",
    "source_url": "https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm",
    "filing_date": "2026-02-17",
    "filing_year": 2026,
    "fiscal_year_end": "12/31",
    "sales_relevance": "Efficiency tools needed",
    "signal_category": "financial"
  }
}

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