Pathward, National Association: how it compares with its peers
Against 232 U.S. banks with half to twice its assets, Pathward, National Association's strongest measure in Q2 2026 is net interest margin (7.41% vs. a 3.67% peer median). Its weakest relative measure is assets per employee ($6.1M vs. $10.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.81% | 1.34% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 7.41% | 3.67% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.97% | 54.91% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $10.0M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.59% | 87.97% | Context |
What it means for lending operations
Its efficiency ratio of 57.97% is above the 54.91% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Lake City Bank Warsaw, IN · $7.24B
- Mizrahi Tefahot Bank, Ltd. Los Angeles, CA · $7.39B
- TBK BANK, SSB Dallas, TX · $7.40B
- Bank of India New York, NY · $7.42B
- Needham Bank Needham, MA · $7.42B
Questions about Pathward, National Association
How big is Pathward, National Association?
Pathward, National Association, established in 1954, is headquartered in Sioux Falls, SD. It reported $7.31B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Pathward, National Association's return on assets?
2.81% annualized in Q2 2026, against a 1.34% median for 232 U.S. banks with half to twice its assets, ahead of 95% of them.
What is Pathward, National Association's efficiency ratio?
57.97% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 54.91%, and lower is better.
Is Pathward, National Association growing its loans?
Net loans grew 8.7% over the year to Q2 2026, while deposits shrank 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Dakota bank ranked.