Pathward, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to average assets: 1.21 percentage points higher than in Q1 2026, at 11.70%. Pathward, N.A. ranks 29th of 36 South Dakota banks on CET1 ratio, in the lower half at 12.05% (Q2 2026). Pathward, N.A. reported 12.05% on CET1 ratio for Q2 2026, 1.43 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.05% |
| Tier 1 risk-based capital ratio | 12.05% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 9.91% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $717.4M |
| Tier 1 capital | $717.5M |
| Total risk-based capital | $792.4M |
| Total equity capital | $882.6M |
| Risk-weighted assets | $5.96B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.07% |
| Tangible equity to tangible assets | 8.08% |
| Equity capital to average assets | 11.70% |
| Internal capital growth rate | 0.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20K |
| Common stock surplus | $652.5M |
| Retained earnings | $372.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$142.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.81% | 11.81% | 12.76% | 8.32% | $5.06B |
| Q4 2023 | 11.97% | 11.97% | 13.01% | 8.15% | $5.08B |
| Q1 2024 | 12.83% | 12.83% | 14.09% | 7.92% | $5.00B |
| Q2 2024 | 13.02% | 13.02% | 14.27% | 9.36% | $5.20B |
| Q3 2024 | 13.12% | 13.12% | 13.97% | 9.44% | $5.28B |
| Q4 2024 | 12.78% | 12.78% | 14.03% | 9.16% | $5.18B |
| Q1 2025 | 14.25% | 14.25% | 15.51% | 8.51% | $4.92B |
| Q2 2025 | 13.43% | 13.43% | 14.68% | 10.00% | $5.23B |
| Q3 2025 | 13.23% | 13.23% | 14.19% | 10.00% | $5.46B |
| Q4 2025 | 12.67% | 12.67% | 13.73% | 9.84% | $5.66B |
| Q1 2026 | 13.24% | 13.24% | 14.49% | 8.85% | $5.43B |
| Q2 2026 | 12.05% | 12.05% | 13.31% | 9.91% | $5.96B |
Pathward, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pathward, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pathward, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30776) · FFIEC NIC profile (RSSD 435077)