Pathward, National Association
Sioux Falls, SD · Cert 30776 · Peer group: banks $1B-$10B in assets (n=313-319) · Pathward Financial Inc.
National charter · OCC · 1 branch
Q2 2026
$7.3BAssets
$5.2BLoans
$6.0BDeposits
$882.6MEquity
Executive Summary
- Strongest standing: return on assets outperforms 97% of banks $1B-$10B in assets (rank 8 of 319).
- Widest gap: nonperforming loans / loans trails 99% of banks $1B-$10B in assets (rank 312 of 313).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
2.82%
Rank 8 of 319
Net Interest Margin
6.61%
Rank 9 of 319
Efficiency Ratio
58.33%
Rank 137 of 319
Equity / Assets
12.07%
Rank 76 of 319
Non-interest income vs. expense
Unfavorable gap of $90.3M · efficiency ratio beats 57% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.82% | 0.91% | 1.21% | 1.53% | Beats 97% | 8 / 319 | |
| Return on Equity | 23.37% | 8.49% | 11.44% | 14.57% | Beats 95% | 16 / 319 | |
| Net Interest Margin | 6.61% | 3.06% | 3.43% | 3.81% | Beats 97% | 9 / 319 | |
| Efficiency Ratio | 58.33% | 51.90% | 59.57% | 67.64% | Beats 57% | 137 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.28% | 0.25% | 0.54% | 1.18% | Beats 1% | 312 / 313 | |
| Net Charge-Offs / Loans | 0.68% | 0.01% | 0.04% | 0.12% | Beats 6% | 296 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 12.05% | 11.74% | 12.99% | 15.28% | Beats 30% | 222 / 319 | |
| Total Risk-Based Capital Ratio | 13.31% | 12.61% | 14.01% | 16.23% | Beats 38% | 198 / 319 | |
| Equity / Assets | 12.07% | 9.03% | 10.33% | 12.01% | Beats 76% | 76 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 87.44% | 76.76% | 88.16% | 95.43% | 48th pctl | 164 / 314 | |
| Loans / Assets | 71.17% | 65.79% | 74.05% | 79.84% | 39th pctl | 195 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |