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Pathward, National Association

Sioux Falls, South DakotaFDIC Cert #30776

OCCEstablished 19541 branch

Holding company: PATHWARD FINANCIAL INCRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.94%
+20.1%y/y
Peer standing2nd percentile
Peer standing in asset:3b_10b
FDICP3ASSET + LNLSGR
90+ %
0.58%
+366.6%y/y
Peer standing4th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + LNLSGR
Nonaccrual %
1.86%
+132.6%y/y
Peer standing8th percentile
Peer standing in asset:3b_10b
FDICNAASSET + LNLSGR
Noncurrent %
2.43%
+163.9%y/y
Peer standing8th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.68%
+183.0%y/y
Peer standing8th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$120M
+187.8%y/y
Peer standing6th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.48%
−12.8%y/y
Peer standing12th percentile
Peer standing in asset:3b_10b
FDICNTLNLS + LNLSGR
NCO
$5.84M
−8.4%y/y
Peer standing11th percentile
Peer standing in asset:3b_10b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
2.00%
−12.4%y/y
Percentile by value95th percentileby value
Peer standing in asset:3b_10b
FDICLNATRES + LNLSGR
30–89
$95.4M
+31.0%y/y
Peer standing2nd percentile
Peer standing in asset:3b_10b
FDICP3ASSET
90+
$28.3M
+409.0%y/y
Peer standing3rd percentile
Peer standing in asset:3b_10b
FDICP9ASSET
Nonaccrual
$91.4M
+153.7%y/y
Peer standing5th percentile
Peer standing in asset:3b_10b
FDICNAASSET