Pathward, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 56.52 percentage points lower than in Q1 2026, at 41.71%. Pathward, N.A. ranks 25th of 56 South Dakota banks on return on assets, in the upper half at 1.58% (Q2 2026). Pathward, N.A. reported 1.58% on return on assets for Q2 2026, 0.30 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.05% |
| Tier 1 risk-based capital ratio | 12.05% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 9.91% |
| Equity capital to assets | 12.07% |
| Tangible equity to tangible assets | 8.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.06% |
| Non-performing assets ratio | 3.60% |
| Net charge-off ratio | 1.29% |
| Texas ratio | 41.89% |
| Allowance for credit losses to loans | 2.11% |
| Reserve coverage of non-performing loans | 41.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.58% |
| Return on equity | 13.48% |
| Net interest margin | 6.61% |
| Efficiency ratio | 67.45% |
| Yield on earning assets | 6.63% |
| Cost of funds | 0.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.44% |
| Core deposits to total deposits | 98.57% |
| Brokered deposits to total deposits | 1.38% |
| Deposits to assets | 81.40% |
| Securities to assets | 17.15% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.81% | 11.81% | 12.76% | 8.32% | 1.93% |
| Q4 2023 | 11.97% | 11.97% | 13.01% | 8.15% | 1.45% |
| Q1 2024 | 12.83% | 12.83% | 14.09% | 7.92% | 3.14% |
| Q2 2024 | 13.02% | 13.02% | 14.27% | 9.36% | 2.36% |
| Q3 2024 | 13.12% | 13.12% | 13.97% | 9.44% | 1.73% |
| Q4 2024 | 12.78% | 12.78% | 14.03% | 9.16% | 2.02% |
| Q1 2025 | 14.25% | 14.25% | 15.51% | 8.51% | 3.56% |
| Q2 2025 | 13.43% | 13.43% | 14.68% | 10.00% | 2.38% |
| Q3 2025 | 13.23% | 13.23% | 14.19% | 10.00% | 2.05% |
| Q4 2025 | 12.67% | 12.67% | 13.73% | 9.84% | 1.86% |
| Q1 2026 | 13.24% | 13.24% | 14.49% | 8.85% | 3.48% |
| Q2 2026 | 12.05% | 12.05% | 13.31% | 9.91% | 1.58% |
Pathward, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pathward, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)