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Pathward, National Association
Sioux Falls, SD·FDIC Cert #30776·Charter: OCC·Est. 19540101.0·HC: PATHWARD FINANCIAL INC
Total Assets
$7.6B
Q4 2025
Return on Assets
2.65%
-0.26%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
65.92%
Peer avg: 57.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.65%-0.26
ROE
22.73%-2.33
Efficiency
65.92%+1.77
Equity/Assets
0.00%+0.00
NPL Ratio
2.18%+0.11
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.91%-2.46
Charge-offs
1.18%-0.48
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 3.5 | 2.9 | 2.5 | 2.4 | 4.2 | 3.3 | 2.9 | 2.6 |
| ROE | 35.3 | 29.0 | 24.3 | 23.0 | 37.2 | 28.9 | 25.1 | 22.7 |
| Efficiency | 56.6 | 61.5 | 65.8 | 63.3 | 51.9 | 59.5 | 64.1 | 65.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 1.0 | 0.9 | 0.8 | 0.9 | 1.5 | 2.1 | 2.2 |
| Charge-offs | -0.1 | 0.2 | 1.2 | 1.9 | 0.6 | 0.5 | 1.7 | 1.2 |
| Loan/Deposit | 68.3 | 70.9 | 80.3 | 69.9 | 75.7 | 78.0 | 81.4 | 78.9 |
Balance Sheet
Total Assets$7.6B
Total Deposits$6.4B
Total Loans$5.0B
Total Equity$891.8M
Profitability
ROA2.65%
ROE22.73%
Efficiency Ratio65.92%
Net Income$193.6M
Risk & Asset Quality
NPL Ratio2.18%
Charge-off Rate1.18%
Loan/Deposit78.91%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans