Visbanking Logo
Skip to main content

Pathward National Association

IDRSSD: 435077
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2026-Q1QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #435077 2026-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.22% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.44% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -11
  • Reserves
    ↑ +31

The five pillars

Liquidity

StableQoQ -7
75
Sub-score

Liquidity is stable: brokered 2.0%, loans/deposits 82.4%, cash 2.2% of assets.

Cash / Assets
2.22%
Loans / Deposits
82.37%
Brokered %
2.02%

Watch Items

  • infoCash / Assets below 3% — Cash 2.22% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.39%
No watch items at this period.

Capitalization

StrongQoQ +2
86
Sub-score

Capital position is strong: Tier 1 RBC 13.24%, CET1 13.24%, leverage 8.53%.

Tier 1 RBC
13.24%
CET1
13.24%
Leverage
8.53%
No watch items at this period.

Asset Quality

StableQoQ -11
66
Sub-score

Asset quality is stable: Adjusted NPL 2.44%, Texas Ratio 14.4%, NCO YTD 0.47%.

Adjusted NPL
2.44%
Govt-guarantees stripped
Texas Ratio
14.4%
NCO YTD
0.47%
30-89 PD
1.90%
Band 0.3% / 3.0%
90+ PD
0.54%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.44% (govt-guarantees stripped).

Reserves

StableQoQ +31
64
Sub-score

Reserves are stable: ALLL 2.00% of loans, coverage 83.5%, true coverage 77.8%.

ALLL / Loans
2.00%
Coverage
83.5%
True Loss Coverage
77.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-13 09:52:20 UTC