Sioux Falls, SD · Cert 30776 · Pathward Financial Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.5% share · #4 of 42 inst. · $6.0B of $1127.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.45% | 2.15% | 1.92% | 4.00% | 1.65% | -80 bps | |
| Return on Equity | 20.61% | 17.84% | 15.91% | 33.07% | 13.48% | -713 bps | |
| Net Interest Margin | 7.00% | 7.13% | 6.59% | 6.19% | 6.27% | -73 bps | |
| Efficiency Ratio | 70.39% | 75.96% | 72.74% | 51.43% | 67.52% | -287 bps | |
| Non-Interest Burden | 3.58% | 4.47% | 3.87% | -0.36% | 2.80% | -79 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.00% | -4.97% | -0.45% | 1.72% | 1.19% | +519 bps | |
| Loan Growth (YoY) | 3.26% | 1.68% | 9.40% | 9.08% | 8.60% | +534 bps | |
| Deposit Growth (YoY) | -6.62% | 0.19% | -2.62% | 0.55% | -0.93% | +569 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.49% | 2.05% | 2.15% | 2.39% | 5.28% | +380 bps | |
| Net Charge-Offs / Loans | 0.51% | 3.82% | -0.17% | 0.47% | 1.23% | +72 bps | |
| Allowance / Loans | 2.21% | 1.10% | 1.16% | 2.00% | 2.11% | -10 bps | |
| Allowance Coverage of NPLs | 1.5x | 0.5x | 0.5x | 0.8x | 0.4x | -1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.00% | 10.00% | 9.84% | 8.85% | 9.91% | -9 bps | |
| Total Risk-Based Capital | 14.68% | 14.19% | 13.73% | 14.49% | 13.31% | -138 bps | |
| Equity / Assets | 11.73% | 12.36% | 11.79% | 12.42% | 12.07% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.77% | 82.27% | 79.83% | 84.05% | 87.44% | +767 bps | |
| Liquid Assets / Assets | 3.50% | 1.57% | 4.38% | 2.12% | 1.80% | -170 bps | |
| CRE / Total Capital | n/a | 10.78% | 10.40% | 13.16% | n/a | n/a | |