PATHWARD, NATIONAL ASSOCIATION

SIOUX FALLS, SD | Large | Est. Jan. 1, 1954, midnight | FDIC #30776 | RSSD #435077 | OCC
Latest Report: 2025-12-31

PATHWARD, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in SIOUX FALLS, SD, established in Jan. 1, 1954, midnight. As of 2025-12-31, the bank reported total assets of $7.6B and total deposits of $6.4B. Profitability stands at 1.92% ROA and 15.91% ROE, with a net interest margin of 7.08%. The bank's CET1 capital ratio is 12.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.91% and a Texas Ratio of 10.18%. FDIC Certificate #30776.

Assets

$7.6B

Deposits

$6.4B

Loans

$5.1B

Equity

$892M

Profitability

Return on Assets (ROA) 1.92%
Return on Equity (ROE) 15.91%
Net Interest Margin (NIM) 7.08%
Yield on Assets 7.16%
Cost of Funds 1.93%

Asset Quality

NPL Ratio 1.91%
Net Charge-Off Ratio 1.11%
Texas Ratio 10.18%
NPA Ratio 1.28%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 12.67%
Tier 1 Capital 12.67%
Total Capital Ratio 13.73%
Leverage Ratio 9.84%
Loan-to-Deposit 79.83%

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