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Pathward, National Association
Sioux Falls, SD · FDIC Certificate #30776 · Chartered 01/0
Total assets
$7.31B
Total deposits
$5.95B
Total equity
$882.81M
Net loans
$5.10B
Branches (offices)
1
Net income (YTD)
$103.14M
Rank: #215 of 4,213 U.S. banks by assets · #4 of 56 in South Dakota. Assets changed 1.2% and deposits -0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.81% |
| Return on equity | 23.28% |
| Net interest margin (YTD) | 7.41% |
| Equity to assets | 12.07% |
| Tier 1 leverage ratio | 9.91% |
| Uninsured deposits (share of deposits) | 12.7% |
| Noncurrent loans (share of loans) | 5.28% |
| Net charge-offs (share of loans) | 0.86% |
| Loans to deposits | 85.6% |
| Real estate loans (share of loans) | 1.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $85.52M | 1.7% | |
| Commercial & industrial | $4.79B | 94.0% | |
| Consumer / individual | $168.20M | 3.3% | |
| Construction & development | $22.75M | 0.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $6.73B | $5.71B | $74.56M | $738.03M |
| Jun 2023 | $7.46B | $6.31B | $101.59M | $708.73M |
| Jun 2024 | $7.53B | $6.43B | $110.69M | $794.97M |
| Jun 2025 | $7.23B | $6.01B | $119.60M | $846.68M |
| Jun 2026 | $7.31B | $5.95B | $103.14M | $882.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $5.95B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.95B.
Similar-sized banks
Mizrahi Tefahot Bank, Ltd. ($7.39B) · Lake City Bank ($7.24B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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