Total Assets
$7.6B
Total balance-sheet footings
FDIC Cert #30776 · Sioux Falls, South Dakota · Est. 1954
Pathward, National Association - FDIC Bank Health Profile
A community-scale look at Pathward, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $7.6B
- Total assets
- A
- Health grade · Excellent
- 2.65%
- Return on assets
- 12.7%
- Tier 1 capital
Data updated July 2026
The verdict
Pathward, National Association earns a PlainBankData health grade of A (84/100), with well-capitalized at 12.67% Tier 1, profitable at 2.65% ROA, 66% efficiency ratio.
- #209
- largest of 4,313 FDIC banks by assets
- 95th
- percentile by asset size, nationally
- 12.67%
- Tier 1 ratio - above the 10% well-capitalized line
- 97th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Pathward, National Association's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Pathward, National Association's composite health score
Tier 1 Capital Ratio (12.67%) 35/40
Return on Assets (ROA) (2.65%) 25/25
Texas Ratio (11.47%) 16/20
Efficiency Ratio (65.92%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$6.4B
Customer-funded liabilities
Net Loans
$5.0B
Outstanding loan book
Net Income
$194M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Pathward, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pathward, National Association's score of 84/100 falls in the highlighted band.
Pathward, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Pathward, National Association's $7.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.67% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.67%
Texas Ratio
11.47%
Equity Capital
$892M
Profitability metrics
Return on Assets (ROA)
97th percentile nationally
2.65%
Return on Equity (ROE)
22.73%
Efficiency Ratio
65.92%
What the numbers say about Pathward, National Association
Pathward, National Association is an FDIC-insured institution (Certificate #30776) headquartered in Sioux Falls, South Dakota, established in 1954. It holds $7.6B in total assets - 209th of 4,313 FDIC-insured banks, $6.4B in customer deposits, and $5.0B in net loans. Looking at capital strength, Tier 1 stands at 12.67%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 11.47%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Pathward, National Association's asset base places it among the largest FDIC-insured institutions in the country, 209th of 4,313 nationally, and 4th of 56 banks headquartered in South Dakota. Only The Bancorp Bank ($9.3B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$517M
Interest Income
$332M
Non-Interest Income
$558M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Pathward, National Association reports a Texas Ratio of 11.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pathward, National Association (FDIC Cert #30776) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citibank, National AssociationSioux Falls | $1.84T | A | 0.85% |
| Wells Fargo Bank, National AssociationSioux Falls | $1.82T | A | 1.41% |
| The Bancorp Bank, National AssociationSioux Falls | $9.3B | A | 2.81% |
| Dacotah BankAberdeen | $4.8B | B | 1.01% |
| First Bank & TrustBrookings | $4.7B | B | 1.02% |
| First PREMIER BankSioux Falls | $4.2B | A | 1.67% |
| First Dakota National BankYankton | $3.2B | A | 1.38% |
| Sunrise Banks, National AssociationSioux Falls | $2.7B | C | 0.39% |
Frequently asked questions
What is Pathward, National Association's health grade?▼
Pathward, National Association receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Pathward, National Association?▼
Pathward, National Association holds $7.6B in total assets and $6.4B in deposits, ranking 209th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sioux Falls, South Dakota.
Is my money safe at Pathward, National Association?▼
Yes, deposits at Pathward, National Association (Certificate #30776) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Pathward, National Association's Tier 1 Capital Ratio?▼
Pathward, National Association has a Tier 1 Capital Ratio of 12.67%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Pathward, National Association?▼
Pathward, National Association has a Texas Ratio of 11.47%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Pathward, National Association?▼
Pathward, National Association has an Efficiency Ratio of 65.92%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Pathward, National Association's profile as a depositor or analyst.
- Pathward, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Pathward, National Association against other South Dakota banks before moving funds. South Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.