BanksPATHWARD, NATIONAL ASSOCIATION

PATHWARD, NATIONAL ASSOCIATION

SIOUX FALLS, SDLargeEst. Jan. 1, 1954, midnightFDIC #30776RSSD #435077OCC
Latest · 2025-12-31

PATHWARD, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 12.67%, well above regulatory minimums. NPL ratio: 1.91% · Texas Ratio: 10.18%. Operates 1 domestic branch.

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 Margin7.08%
Yield on Assets7.16%
Cost of Funds0.08%

Asset Quality

NPL Ratio1.91%
Net Charge-Off Ratio1.11%
Texas Ratio10.18%
NPA Ratio1.28%
ACL / Loans1.16%

Capital & Liquidity

CET1 Ratio12.67%
Tier 1 Capital12.67%
Total Capital Ratio13.73%
Leverage Ratio9.84%
Loan-to-Deposit79.83%

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