Pathway Bank
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Data as of · sourced from FFIEC call reports. How we update
Pathway Bank is an FDIC-insured commercial bank headquartered in Cairo, NE, established in 1910 (FDIC certificate 1992), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $338.1M, down 1.8% from Q2 2025, the 60th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.43% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1992
- Headquarters
- Cairo, NE
- Established
- 1910
- Total assets, Q2 2026
- $338.1M
- Assets vs Q2 2025
- -1.8%
- Tier 1 leverage ratio, Q2 2026
- 12.43%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 104913190
- Holding company
- PATHWAY BANCORP
- Asset rank in state
- 60th of 138 in Nebraska
Problem loans are rising at Pathway Bank. It reported $338 million in assets at June 30, 2026, down 1.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.85% of loans from 1.12% a year earlier. It pays an average of 2.82% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 20.9% of the capital and reserves that would absorb them, 7.9 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.4 million, 36% above the same quarter a year earlier. Its margin is thin by comparison: it keeps 3.30 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Pathway Bank reported a return on assets of 1.56%, a nonperforming-loan ratio of 3.85% and a Texas ratio of 20.92%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Pathway Bank is the 60th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.7% to $338.1M, loans rose 0.8% and deposits rose 2.8%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 37.6% of total loans, ahead of farmland and other real estate loans at 36.5%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in NE; its Cairo office books 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Pathway Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 306 S High St, Cairo, NE 68824
- County
- Hall
- Metro Area
- Grand Island, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $245.5M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $347.9M
- Average total loans
- $237.6M
- Average interest-bearing deposits
- $222.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1992
- Fed RSSD
- 73554
- SEC CIK
- 1850252 → filed by PATHWAY BANCORP
- Website
- www.pathwaybank.com →
- Parent Holding Company
- PATHWAY BANCORP (RSSD 3304361)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Pathway Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Pathway Bank's total assets ran between $292.8M (Q3 2023) and $349.4M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$338.1M total assets against $344.2M; $297.1M total liabilities against $306.4M.
$238.1M net loans and leases against $234.6M; $245.5M total deposits against $241.7M.
$69.9M securities against $82.4M; $12.6M cash and balances due against $9.2M.
$4.9M total interest income against $5.0M; $2.1M total interest expense against $2.3M.
$2.8M net interest income against $2.7M.
$474K total noninterest income against $556K; $1.9M total noninterest expense against $1.9M.
$0 provision for credit losses against $30K.
$1.4M net income against $1.0M.
1.56% return on assets against 1.19%; 3.30% net interest margin against 3.30%.
12.43% tier 1 leverage ratio against 11.89%.
Inside the full Pathway Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Pathway Bank rankings
Its closest position to the top of a national ranking is 154 of 3,640, for Texas Ratio; its furthest is 2,290 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.05% (Q1 2025) to 1.56% (Q2 2026) and its net interest margin ran from 2.96% (Q1 2025) to 3.54% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.43% | 1.56% | 3.85% | 20.92% | 3.30% |
| Q1 2026 | 12.08% | 1.53% | 0.07% | 0.38% | 3.18% |
| Q4 2025 | 11.65% | 1.21% | 0.15% | 0.86% | 3.54% |
| Q3 2025 | 11.82% | 1.44% | 1.09% | 6.20% | 3.41% |
| Q2 2025 | 11.89% | 1.19% | 1.12% | 6.49% | 3.30% |
| Q1 2025 | 11.89% | 1.05% | 0.86% | 4.57% | 2.96% |
| Q4 2024 | 11.63% | 1.21% | 0.44% | 2.36% | 3.08% |
| Q3 2024 | 11.65% | 1.22% | 0.40% | 2.18% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pathway Bank (main office) | Cairo , NE | 68824 | $128.9M |
| Pathway Bank of Grand Island | Grand Island , NE | 68803 | $43.4M |
| Pathway Bank Branch | Ord , NE | 68862 | $35.2M |
| Pathway Bank Branch | Burwell , NE | 68823 | $31.8M |
| Pathway Bank - Lexington Branch | Lexington , NE | 68850 | $6.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in NE, rank 69 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 67 applications, 45 loans originated, $7.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $220K approved, $220K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pathway Bank
What are Pathway Bank's total assets?
As of the Q2 2026 filing, Pathway Bank reported total assets of $338.1 million in its FFIEC call report.
Where is Pathway Bank headquartered?
It is headquartered in Cairo, NE, United States.
When was Pathway Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Pathway Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1992). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pathway Bank?
Pathway Bank's primary federal regulator is the FDIC.
How many branches does Pathway Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pathway Bank's Texas Ratio?
Its Texas Ratio is 20.92% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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