BlastPoint's Banking Scorecard
Pathward, National Association
Mid-Market
Specialty: Commercial
SD
FDIC cert 30776
Sioux Falls, SD
201
banks in Mid-Market tier nationally
2 in SD
View Mid-Market leaderboard (SD) →
Pathward, National Association has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 2% in Mid-Market
- + Deposit Franchise: Top 5% in Mid-Market
- + Profitability Leader: Top 8% in Mid-Market
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 19% in Mid-Market
- - Delinquency Rate 1.49% above tier
- - Nonperforming Asset Ratio 0.98% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.6B
-0.4% YoY
+5.5% QoQ
|
-$2.9B |
$10.5B
+2.9% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$5.0B
+9.9% YoY
+4.6% QoQ
|
-$2.1B |
$7.1B
+4.5% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$6.4B
-2.6% YoY
+7.9% QoQ
|
-$2.2B |
$8.5B
+3.0% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
2.65%
+10.7% YoY
-9.0% QoQ
|
+1.49% |
1.16%
+9.4% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
7.97%
+3.2% YoY
-2.9% QoQ
|
+4.57% |
3.40%
+7.9% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
65.92%
+4.1% YoY
+2.8% QoQ
|
+9.31% |
56.60%
-3.2% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
2.18%
+181.9% YoY
+5.2% QoQ
|
+1.49% |
0.68%
+12.0% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
78.91%
+12.8% YoY
-3.0% QoQ
|
-6.56% |
85.47%
+1.1% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
95.71%
-0.7% YoY
+0.3% QoQ
|
+75.08% |
20.64%
-0.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
1.47%
+198.5% YoY
+3.8% QoQ
|
+0.98% |
0.50%
+7.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
12.67%
-0.8% YoY
-4.2% QoQ
|
-0.88% |
13.55%
+1.8% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
4.39%
+4.7% YoY
+12.9% QoQ
|
+3.44% |
0.96%
+7.1% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#2 of 49 · Top 2% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
4.39%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
2.65%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
Deposit Franchise
growth
#2 of 22 · Top 5% in Mid-Market
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
95.71%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
7.97%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Profitability Leader
growth
#5 of 51 · Top 8% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.65%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (3)
Deposit Outflow
decline
#7 of 33 · Bottom 19% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Delinquency Rate
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
2.18%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
1.47%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Net Interest Margin
Current: 7.97% · Tier avg: 3.40%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 95.71% · Tier avg: 20.64%
98
98th pctile
Non-Interest Income / Assets
Current: 4.39% · Tier avg: 0.96%
96
96th pctile
Return on Assets
Current: 2.65% · Tier avg: 1.16%
43
43th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 13.55%
43
43th pctile
Total Deposits
Current: $6.4B · Tier avg: $8.5B
39
39th pctile
Total Assets
Current: $7.6B · Tier avg: $10.5B
38
38th pctile
Total Loans
Current: $5.0B · Tier avg: $7.1B
27
27th pctile
Loan-to-Deposit Ratio
Current: 78.91% · Tier avg: 85.47%
21
21th pctile
Efficiency Ratio
Current: 65.92% · Tier avg: 56.60%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.47% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.18% · Tier avg: 0.68%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.18% · Tier avg: 0.68%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.47% · Tier avg: 0.50%
21
21th pctile
Efficiency Ratio
Current: 65.92% · Tier avg: 56.60%
27
27th pctile
Loan-to-Deposit Ratio
Current: 78.91% · Tier avg: 85.47%
38
38th pctile
Total Loans
Current: $5.0B · Tier avg: $7.1B
39
39th pctile
Total Assets
Current: $7.6B · Tier avg: $10.5B
43
43th pctile
Total Deposits
Current: $6.4B · Tier avg: $8.5B
43
43th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 13.55%
96
96th pctile
Return on Assets
Current: 2.65% · Tier avg: 1.16%
98
98th pctile
Non-Interest Income / Assets
Current: 4.39% · Tier avg: 0.96%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 95.71% · Tier avg: 20.64%
100
100th pctile
Net Interest Margin
Current: 7.97% · Tier avg: 3.40%