Pathward, National Association
Sioux Falls, SD · Cert 30776 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 10 of 328).
- Widest gap: nonperforming loans / loans trails 99% of banks $1B-$10B in assets (rank 321 of 322).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
2.82%
Rank 10 of 328
Net Interest Margin
6.61%
Rank 10 of 328
Efficiency Ratio
58.33%
Rank 147 of 328
Equity / Assets
12.07%
Rank 78 of 328
Non-interest income vs. expense
Unfavorable gap of $90.3M · efficiency ratio beats 55% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.82% | 0.91% | 1.22% | 1.52% | Beats 97% | 10 / 328 | | |
| Return on Equity | 23.37% | 8.43% | 11.45% | 14.43% | Beats 96% | 14 / 328 | | |
| Net Interest Margin | 6.61% | 3.03% | 3.45% | 3.83% | Beats 97% | 10 / 328 | | |
| Efficiency Ratio | 58.33% | 51.61% | 59.56% | 67.53% | Beats 55% | 147 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.28% | 0.24% | 0.51% | 1.03% | Beats 1% | 321 / 322 | | |
| Net Charge-Offs / Loans | 0.68% | 0.01% | 0.03% | 0.10% | Beats 5% | 308 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.05% | 11.75% | 13.15% | 15.47% | Beats 31% | 227 / 328 | | |
| Total Risk-Based Capital Ratio | 13.31% | 12.63% | 14.15% | 16.46% | Beats 38% | 204 / 328 | | |
| Equity / Assets | 12.07% | 9.15% | 10.33% | 12.01% | Beats 76% | 78 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.44% | 76.63% | 87.92% | 95.36% | 49th pctl | 166 / 323 | | |
| Loans / Assets | 71.17% | 65.18% | 74.15% | 79.98% | 40th pctl | 197 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |