Pathward, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 83.3% in Q2 2026, from $53.1M to $97.3M. It was the largest change from Q1 2026 among the key lines here. Pathward, N.A. ranks 20th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 87.44% (Q2 2026). At 87.44%, Pathward, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.21B |
| Net loans and leases | $5.10B |
| Loans held for sale | $97.3M |
| Loans to total assets | 71.17% |
| Loan-to-deposit ratio | 87.44% |
| Net loans to equity capital | 5.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.21% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 92.05% |
| Consumer | 3.23% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 4.95% |
| Construction concentration (Tier 1 capital + allowance) | 2.75% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $99.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.44B | $6.59B | 2.97% | 83.55% | 7.59% |
| Q4 2023 | $4.50B | $6.94B | 3.10% | 82.82% | 8.18% |
| Q1 2024 | $4.44B | $6.37B | 3.09% | 83.20% | 8.27% |
| Q2 2024 | $4.64B | $6.43B | 2.88% | 84.93% | 6.87% |
| Q3 2024 | $4.76B | $5.88B | 2.22% | 85.78% | 5.91% |
| Q4 2024 | $4.64B | $6.52B | 2.06% | 85.06% | 6.96% |
| Q1 2025 | $4.51B | $5.82B | 2.00% | 84.76% | 7.35% |
| Q2 2025 | $4.79B | $6.01B | 1.47% | 86.30% | 6.22% |
| Q3 2025 | $4.84B | $5.89B | 1.19% | 87.30% | 5.34% |
| Q4 2025 | $5.07B | $6.35B | 1.03% | 89.85% | 3.61% |
| Q1 2026 | $4.92B | $5.85B | 1.46% | 90.70% | 3.69% |
| Q2 2026 | $5.21B | $5.95B | 1.21% | 92.05% | 3.23% |
Pathward, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pathward, N.A., freeSource: Call Report Schedule RC-C, 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)