BlastPoint's Banking Scorecard
Pathward, National Association
Sioux Falls, SD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
- Deposits -0.9% year over year ($6.0B on the books).
- Delinquency rate 5.40%.
- Return on assets 2.81%.
- Efficiency ratio 57.97% vs a 59.73% peer average.
- Loan-to-deposit ratio 85.59% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pathward, National Association has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 2.5% in tier
- + Revenue Diversifier: Top 2.7% in tier
- + Return on Assets 1.42% above tier average
- + Efficiency Ratio 1.76% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 62.4% in tier
- - Delinquency Rate 4.53% above tier average
- - Nonperforming Asset Ratio 3.12% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.3B
+1.2% YoY
+2.8% QoQ
|
+$4.5B |
$2.8B
-0.6% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
Top 6.0% in tier |
| Total Loans ? |
$5.1B
+8.7% YoY
+5.7% QoQ
|
+$3.1B |
$2.0B
-0.3% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
Top 6.0% in tier |
| Total Deposits ? |
$6.0B
-0.9% YoY
+1.7% QoQ
|
+$3.6B |
$2.3B
-0.5% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
Top 5.6% in tier |
| Return on Assets ? |
2.81%
-14.4% YoY
-29.7% QoQ
|
+1.42% |
1.39%
+17.0% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
Top 2.6% in tier |
| Net Interest Margin ? |
7.41%
-9.7% YoY
-4.8% QoQ
|
+3.54% |
3.87%
+6.2% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
Top 1.5% in tier |
| Efficiency Ratio ? |
57.97%
-2.5% YoY
+12.7% QoQ
|
-1.76% |
59.73%
-12.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
5.40%
+254.9% YoY
+121.1% QoQ
|
+4.53% |
0.87%
+11.7% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 0.6% in tier |
| Loan-to-Deposit Ratio ? |
85.59%
+9.7% YoY
+3.9% QoQ
|
+0.56% |
85.04%
-0.1% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
95.87%
-0.2% YoY
+1.4% QoQ
|
+74.59% |
21.27%
-1.5% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
Top 0.2% in tier |
| Nonperforming Asset Ratio ? |
3.79%
+272.7% YoY
+125.3% QoQ
|
+3.12% |
0.67%
+11.7% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 0.9% in tier |
| Tier 1 Capital Ratio ? |
12.05%
-10.3% YoY
-9.0% QoQ
|
-2.79% |
14.84%
-0.4% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
3.10%
+2.5% YoY
+46.2% QoQ
|
+2.57% |
0.53%
+2.5% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
Top 1.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
95.9%
-0.2pp YoY +1.4pp QoQ |
+74.5pp | 21.4% | 23.5% | 22.2% | 100% |
| Brokered Deposits |
1.4%
+0.3pp YoY -0.6pp QoQ |
-8.1pp | 9.5% | 8.7% | 8.5% | 22% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
94.0%
+5.8pp YoY +1.5pp QoQ |
+80.0pp | 14.0% | 14.1% | 12.5% | 100% |
| CRE | n/a | n/a | 50.0% | 31.5% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 26.4% | 14.9% | 31.3% | n/a |
| Consumer |
3.3%
-3.1pp YoY -0.5pp QoQ |
-1.4pp | 4.7% | 8.5% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.1%
-1.4pp YoY -1.2pp QoQ |
-3.5pp | 15.6% | 17.6% | 19.7% | 25% |
| Leverage Ratio |
9.9%
-0.1pp YoY +1.1pp QoQ |
-1.4pp | 11.3% | 11.9% | 12.6% | 34% |
| Total Capital Ratio |
13.3%
-1.4pp YoY -1.2pp QoQ |
-3.4pp | 16.7% | 18.8% | 20.8% | 28% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1,196
+18 (+1.5%) YoY +15 (+1.3%) QoQ |
+882 | 313 | 6,279 | 482 | 99% |
| Assets per Employee ($) |
$6.1M
-0.3% YoY +1.5% QoQ |
-$4.4M | $10.5M | $8.1M | $8.8M | 13% |
| Branch Count |
1
0 YoY 0 QoQ |
-19 | 20 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
+0.2pp YoY -0.2pp QoQ |
+0.3pp | 0.2% | 0.2% | 0.4% | 93% |
| Nonaccrual |
5.0%
+3.7pp YoY +3.1pp QoQ |
+4.2pp | 0.8% | 1.0% | 1.0% | 99% |
| Allowance Coverage |
0.40x
-73.2% YoY -52.2% QoQ |
-18.31x | 18.71x | 96.54x | 20.23x | 4% |
| Net Charge-off Rate (YTD) |
0.9%
+0.3pp YoY +0.4pp QoQ |
+0.6pp | 0.3% | 0.7% | 0.2% | 95% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.3%
-5.6pp YoY -9.8pp QoQ |
+10.7pp | 12.6% | 12.4% | 11.6% | 95% |
| Cost of Funds (YTD) |
0.2%
0.0pp YoY -0.1pp QoQ |
-1.7pp | 1.9% | 1.7% | 1.7% | 0% |
| Net Income ($, YTD) |
$103.1M
-13.8% YoY — QoQ |
+$83.9M | $19.2M | $418.8M | $40.4M | 99% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.