Pathward, National Association


5501 S Broadband Ln
Sioux Falls, SD 57108
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Notable Rates APY Vs.Others
Savings N.A. 4.35% →
1-Year CD N.A. 5.00% →
2-Year CD N.A. 4.75% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

Pathward, National Association is an FDIC insured institution located in Sioux Falls, SD. It was founded in 1954 and has approximately $6.73 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 30776
Date Established 1954
Assets $ 6.73 billion
Loans $ 3.68 billion
Deposits $ 5.71 billion
Capital $ 738.04 million

For a more detailed analysis of Pathward, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 4, 2023

Your Current Location: Virginia, VA 20146


Loan Rates - February 4, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Pathward, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
5.921% 5.750%
0.88 points
$4,688 fees
$1,459 Learn More
PenFed Credit Union
NMLS ID: 401822
5.294% 5.250%
0.50 points
$1,250 fees
$1,381 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168

Learn More
NMLS ID: Not lender

Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.740 %
$0 Learn More
More Info

Note to Pathward, National Association
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Pathward, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Pathward, National Association Locations

Climate Initiatives

Pathward, National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Pathward, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pathward, National Association. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Pathward, National Association U.S. Bank Average
3.27% 4.06%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2022, Pathward, National Association had $26,624,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $738,035,000 in equity and $75,206,000 in loans loss reserves. That gives it a Texas Ratio of 3.27%.

Return on Equity
Pathward, National Association U.S. Bank Average
17.86% 9.98%

Pathward, National Association has a Return on Equity of 17.86% versus the BestCashCow average of 9.98%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Pathward, National Association U.S. Bank Average
10.97% 10.23%

Pathward, National Association has a Capitalization of 10.97% versus the BestCashCow average of 10.23. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Pathward, National Association Balance Sheet Analysis

As of June 30, 2022, Pathward, National Association had assets of $6,729,112,000, loans of $3,680,931,000, and deposits of $5,712,359,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2022
Cash & Balances due from depository institutions $ 157.32 million
Interest-bearing balances $ 117.72 million
Total securities $ 2.01 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.68 billion
Loan loss allowance $ 75.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 338.77 million
All other assets $ 473.56 million
     Total Assets $ 5.99 billion
Total deposits $ 5.71 billion
      Interest-bearing deposits $ 190.50 million
      Deposits held in domestic offices $ 5.71 billion
      % insured (estimated) 99.25%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 2.96 million
Subordinated debt N.A.
All other liabilities $ 275.76 million
      Total Liabilities $ 5.99 billion
      Shareholders’ Equity $ 738.04 million

Summary Income Statement

June 30, 2022
Total Interest Income $ 163.06 million
Total Interest Expense $ 0.47 million
Net interest income $ 162.59 million
Provision for loan and lease losses $ 31.00 million
Total non interest income $ 164.65 million
Total non interest expense $ 203.17 million
Pre-tax Net Operating Income $ 93.07 million

Bank Loan Profile?

The top three loan types in Pathward, National Association’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in South Dakota, Pathward, National Association has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.01
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.09
Construction and Development Loans 0.09
Commercial Real Estate 3.64
Commercial and Industrial Loans 81.52
Farm Loans 0.00

Customer Reviews for Pathward, National Association

  • January 22, 2021 |

    Unfortunately I wish I could have a nice review however this is not the case. I have the exceed pay card through Walmart and to my dismay always around pay day there is one issue or another where the app is concerned. When you call fir answers about the issue they claim they are doing a system update and the issue will be resolved in a couple of hours which is NEVER the case. Then when you call back to find out what the situation is or seek a solution you are told that they are not will not release to you an estimated time fir a resolution. SMH this is terrible when people entrust their hard earned money to an institution that can’t give a straight forward honest answer to when they will have access to moneys needed to pay bills or do groceries buy medicine etc and all because their app that they insist you download and use is unreliable. Terrible

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