TellerScore

Pathward, National Association (FDIC certificate #30776) is based in Sioux Falls, South Dakota. Its Q2 2026 call report shows $7.3B in total assets and $6.0B in deposits and 1 office.

Pathward, National Association has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in South Dakota, it ranks 53rd. Earnings contributes the most (100/100, 2.81%); loan quality contributes the least (0/100, 5.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.91%
Loan quality0/100
Noncurrent loans ÷ total loans: 5.28%
Earnings100/100
Return on assets (annualized): 2.81%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 85.6% · 12.7% uninsured
Problem-loan coverage45/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 27.71%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 18 points (68 → 50), mostly because the loan quality component weakened by 50 points.

TellerScore
506274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202474
Q1 202570
Q2 202568
Q3 202563
Q4 202561
Q1 202656
Q2 202650
Tier 1 leverage ratio
5.00%7.50%10.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.36%
Q3 20249.44%
Q4 20249.16%
Q1 20258.51%
Q2 202510.00%
Q3 202510.00%
Q4 20259.84%
Q1 20268.85%
Q2 20269.91%
Noncurrent loans
0.76%3.02%5.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.96%
Q3 20240.87%
Q4 20240.76%
Q1 20250.88%
Q2 20251.49%
Q3 20252.05%
Q4 20252.15%
Q1 20262.39%
Q2 20265.28%
Return on assets
2.39%3.28%4.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.91%
Q3 20242.52%
Q4 20242.39%
Q1 20254.17%
Q2 20253.29%
Q3 20252.91%
Q4 20252.65%
Q1 20264.00%
Q2 20262.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$7.3B9.91%5.28%2.81%85.6%
Q1 202656$7.1B8.85%2.39%4.00%82.4%
Q4 202561$7.6B9.84%2.15%2.65%78.9%
Q3 202563$7.2B10.00%2.05%2.91%81.4%
Q2 202568$7.2B10.00%1.49%3.29%78.0%
Q1 202570$7.0B8.51%0.88%4.17%75.7%
Q4 202474$7.6B9.16%0.76%2.39%69.9%
Q3 202472$7.5B9.44%0.87%2.52%80.3%
Q2 202473$7.5B9.36%0.96%2.91%70.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.91%
34th
Total risk-based capital13.31%
46th
Problem loans5.28%
0th
Net charge-offs0.86%
5th
Return on assets2.81%
97th
Net interest margin7.41%
99th
Efficiency ratio58.0%
54th
Loans to deposits85.6%
54th
Uninsured deposits12.7%
94th
Loan-loss reserves2.11%
97th
Texas ratio27.7%
1st

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
The Bancorp Bank, National AssociationBank Sioux Falls, SD63 out of 100, Moderate$9.2B9.1%1.33%vs
Dacotah BankBank Aberdeen, SD55 out of 100, Moderate$4.9B10.1%1.52%vs
First Bank & TrustBank Brookings, SD70 out of 100, Strong$4.8B10.4%0.42%vs
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
Sunrise Banks, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$2.8B10.2%1.34%vs

Deposit insurance

Is my money safe at Pathward, National Association?

Yes. Pathward, National Association is an FDIC-insured institution (FDIC certificate #30776). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.7% of deposits ($758.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.31% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Pathward, National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pathward, National Association
Former names
MetaBank; Metabank, National Association; First Federal Savings and Loan Association of Storm Lake; First Federal Savings Bank of the Midwest
Type
National bank
FDIC certificate #
30776
RSSD ID
435077
Primary regulator
OCC
Holding company
Pathward Financial Inc
Established
January 1, 1954
Headquarters
5501 S Broadband Ln, Sioux Falls, SD 57108
Employees
1,196

Quick answers

Pathward, National Association: common questions

Is Pathward, National Association FDIC insured?

Yes. Pathward, National Association is an FDIC-insured institution (FDIC certificate #30776). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pathward, National Association's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Pathward, National Association ever failed?

There is no failure record for FDIC certificate #30776 in the FDIC failed bank list.

How many branches does Pathward, National Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sioux Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Merchants State BankBank Freeman, SD91 out of 100, Very strong$219.6M17.3%0.32%vs
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs