Pathward, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pathward, N.A. of Sioux Falls, SD against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.58% | 1.46% | +0.12% | 71st above |
| ROAE | 13.48% | 12.71% | +0.77% | 59th above |
| Net Interest Margin | 6.61% | 3.84% | +2.77% | 98th top |
| Efficiency Ratio | 67.45% | 57.38% | +10.07% | 26th below |
| PPNR / Avg Assets | 3.22% | 1.87% | +1.35% | 96th top |
| Yield on Earning Assets | 6.63% | 5.71% | +0.92% | 91st top |
| Cost of Funds | 0.03% | 2.02% | -1.99% | 100th top |
| Net Interest Spread | 6.10% | 3.17% | +2.93% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.06% | 0.99% | +4.07% | 1st bottom |
| NPA / Total Assets | 3.60% | 0.75% | +2.85% | 2nd bottom |
| NCO / Avg Loans | 1.29% | 0.42% | +0.87% | 3rd bottom |
| ACL / Total Loans | 2.11% | 1.31% | +0.80% | 97th top |
| ACL / NPLs (Coverage) | 41.71% | 544.81% | -503.10% | 6th bottom |
| Texas Ratio | 41.89% | 7.29% | +34.60% | 1st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 332.95% | 619.56% | -286.61% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.05% | 17.35% | -5.30% | 26th below |
| Tier 1 Ratio | 12.05% | 17.39% | -5.34% | 25th below |
| Total Capital Ratio | 13.31% | 18.44% | -5.13% | 28th below |
| Leverage Ratio | 9.91% | 11.44% | -1.53% | 34th below |
| Equity / Assets | 12.07% | 11.33% | +0.74% | 76th top |
| TCE / Tangible Assets | 8.08% | 10.51% | -2.43% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.44% | 86.95% | +0.49% | 52nd above |
| Core Deposit Ratio | 98.57% | 85.52% | +13.05% | 97th top |
| Uninsured Deposit Ratio | 12.74% | 33.18% | -20.44% | 94th top |
| Wholesale Funding Ratio | 2.29% | 5.72% | -3.43% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.19% | 9.70% | -8.51% | 23rd bottom |
| Loan Growth (Y/Y) | 8.60% | 8.05% | +0.55% | 68th above |
| Deposit Growth (Y/Y) | -0.93% | 7.89% | -8.82% | 14th bottom |
See Pathward, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pathward, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pathward, N.A. profile, how to read a UBPR, or how this data updates.