Pathward, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Pathward, N.A.. Its balance sheet stood at $7.3 billion at June 30, 2026, up 1.2% from a year earlier; it is based in Sioux Falls, South Dakota. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.94% of loans from 1.49% a year earlier. It keeps 6.61 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 0.03% on its deposits and borrowings, a small fraction of the median of 2.01% for banks its size.
The commercial and industrial book ($4.8 billion) is worsening: 5.24% of it is past due or on nonaccrual, up from 1.38% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 8.6% and deposits fell 0.9%. Credit is the area to watch: it carries problem assets equal to 38.1% of the capital and reserves that would absorb them, 10.7 times the median of 3.6% for banks its size.
As of June 30, 2026, Pathward, N.A. reported a CET1 capital ratio of 12.05%, a return on assets of 1.58%, a nonperforming-loan ratio of 5.28% and a Texas ratio of 38.09%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 5501 S Broadband Ln, Sioux Falls, SD 57108
- County
- Lincoln
- Metro Area
- Sioux Falls, SD-MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1954
- Former names
- Metabank, National Association (2020-2022); MetaBank (2005-2020); First Federal Savings Bank of the Midwest (1993-2005)
- Offices
- 1 domestic
- Employees (FTE)
- 1,196
- Domestic deposits
- $5.95B
- Allowance for credit losses
- $109.8M
- Net charge-offs (YTD)
- $21.9M
- Average total assets
- $7.55B
- Average total loans
- $4.96B
- Average interest-bearing deposits
- $245.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30776
- Fed RSSD
- 435077
- SEC CIK
- 907471 → filed by PATHWARD FINANCIAL, INC.
- Website
- http://www.pathward.com →
- Parent Holding Company
- PATHWARD FINANCIAL, INC. (RSSD 2390013) · CASH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Brett L. Pharr | CEO | Chief Executive Officer |
| Anthony M. Sharett | PRES | President |
| Greg Sigrist | CFO | Chief Financial Officer |
| Ferri Eric Anthony | CRO | EVP, Chief Risk Officer |
| Nadia Dombrowski | GC | Chief Legal and Admin Officer |
| Charles C. Ingram | CIO | EVP, Chief Information Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Pathward, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Pathward, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Pathward, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Pathward, N.A.: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.05% | 1.58% | 5.28% | 38.09% | 6.61% |
| Q1 2026 | 13.24% | 3.48% | 2.39% | 17.67% | 6.58% |
| Q4 2025 | 12.67% | 1.86% | 2.15% | 17.19% | 7.05% |
| Q3 2025 | 13.23% | 2.05% | 2.05% | 15.92% | 7.57% |
| Q2 2025 | 13.43% | 2.38% | 1.49% | 11.17% | 7.45% |
| Q1 2025 | 14.25% | 3.56% | 0.88% | 6.29% | 7.09% |
| Q4 2024 | 12.78% | 2.02% | 0.76% | 6.41% | 9.49% |
| Q3 2024 | 13.12% | 1.73% | 0.87% | 7.13% | 6.83% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pathward, N.A. (main office) | Sioux Falls , SD | 57108 | $5.95B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2018 | Structure Change | Acquired Crestmark Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 30, 1995 | Structure Change | Acquired Iowa Savings Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 29, 1994 | Structure Change | Acquired Brookings Federal Bank, a federal savings bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 28, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Pathward, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 4 against the institution (OCC, OCC (former OTS)); 2 against individuals associated with it
- July 15, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Metabank
- July 15, 2011, OCC (former OTS): Cease and Desist: MetaBank
- July 15, 2011, OCC (former OTS): Civil Money Penalty: MetaBank
- October 25, 1991, OCC (former OTS): Cease and Desist: First Federal Savings & Loan Assocaiton of Storm Lake
- Period: Most recent institution action July 15, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in SD, rank 4 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 116 loans, $238.6M approved, $2.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Pathward, N.A.
What are Pathward, N.A.'s total assets?
As of the Q2 2026 filing, Pathward, N.A. reported total assets of $7.31 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pathward, N.A. headquartered?
Pathward, N.A. is headquartered in Sioux Falls, SD, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Pathward, N.A. founded?
Pathward, N.A. was established in 1954, per the FDIC institution directory.
Is Pathward, N.A. FDIC-insured?
Yes. Pathward, N.A. is an FDIC-insured commercial bank (FDIC Certificate #30776). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pathward, N.A.?
Pathward, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Pathward, N.A.'s CET1 capital ratio?
Pathward, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.05% in its Q2 2026 call report, above regulatory requirements.
How many branches does Pathward, N.A. operate?
Pathward, N.A. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pathward, N.A.'s Texas Ratio?
Pathward, N.A.'s Texas Ratio is 38.09% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Pathward, N.A. previously called?
The charter now named Pathward, N.A. has also operated as Metabank, National Association (2020-2022), MetaBank (2005-2020), First Federal Savings Bank of the Midwest (1993-2005), per FDIC structure-change records.
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