Pathward, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 467.3% higher than in Q1 2026, at $147.5M. Within South Dakota, Pathward, N.A. is 20th of 56 on loan-to-deposit ratio, 87.44% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Pathward, N.A. reported 87.44% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $149.4M |
| Cash and noninterest-bearing balances to assets | 2.04% |
| Cash and securities | $1.40B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $20.0M |
| Other borrowed money | $147.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.44% |
| Net loans and leases to deposits | 85.59% |
| Loans and leases to core deposits | 87.48% |
| Core deposits to total deposits | 98.57% |
| Brokered deposits to total deposits | 1.38% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 67.43% | 98.95% | $0 | $13.6M |
| Q4 2023 | 64.81% | 97.12% | $0 | $337K |
| Q1 2024 | 69.58% | 97.20% | $0 | $31.1M |
| Q2 2024 | 72.14% | 98.33% | $0 | $0 |
| Q3 2024 | 81.06% | 98.53% | $120.0M | $257.0M |
| Q4 2024 | 71.07% | 99.15% | $0 | $0 |
| Q1 2025 | 77.48% | 98.33% | $0 | $0 |
| Q2 2025 | 79.77% | 98.83% | $0 | $115.0M |
| Q3 2025 | 82.27% | 98.95% | $0 | $9.0M |
| Q4 2025 | 79.83% | 99.04% | $0 | $0 |
| Q1 2026 | 84.05% | 97.94% | $0 | $26.0M |
| Q2 2026 | 87.44% | 98.57% | $20.0M | $147.5M |
Pathward, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pathward, N.A., freeSource: Call Report Schedules RC and RC-M, 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)