Call reports 2025
PATHWARD, NATIONAL ASSOCIATION — 2025
What PATHWARD, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 6,992,855,000 | 7,226,910,000 | 7,167,281,000 | 7,563,929,000 |
| Total loans | 4,510,636,000 | 4,793,091,000 | 4,844,329,000 | 5,070,824,000 |
| Allowance for loan losses | 102,890,000 | 105,995,000 | 53,319,000 | 58,840,000 |
| Securities available for sale | 1,411,520,000 | 1,367,339,000 | 1,327,843,000 | 1,310,047,000 |
| Securities held to maturity | 31,335,000 | 30,273,000 | 29,308,000 | 28,662,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,822,039,000 | 6,008,992,000 | 5,888,424,000 | 6,351,773,000 |
| Interest-bearing deposits | 265,157,000 | 235,569,000 | 267,393,000 | 272,203,000 |
| Noninterest-bearing deposits | 5,556,882,000 | 5,773,423,000 | 5,621,031,000 | 6,079,570,000 |
| Equity capital | 844,351,000 | 847,532,000 | 885,938,000 | 891,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 142,532,000 | 266,124,000 | 395,722,000 | 516,942,000 |
| Interest expense | 5,090,000 | 5,736,000 | 6,591,000 | 7,844,000 |
| Net interest income | 137,442,000 | 260,388,000 | 389,131,000 | 509,098,000 |
| Noninterest income | 145,149,000 | 218,417,000 | 278,748,000 | 332,221,000 |
| Noninterest expense | 147,745,000 | 286,665,000 | 431,043,000 | 557,920,000 |
| Provision for loan losses | 34,927,000 | 44,159,000 | 37,701,000 | 41,008,000 |
| Pretax income | 92,426,000 | 140,398,000 | 189,356,000 | 232,697,000 |
| Income tax | 16,167,000 | 20,346,000 | 30,381,000 | 38,074,000 |
| Net income | 76,022,000 | 119,601,000 | 158,259,000 | 193,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 701,329,000 | 702,751,000 | 721,948,000 | 716,833,000 |
| Total capital | 763,346,000 | 768,674,000 | 774,404,000 | 776,520,000 |
| Risk-weighted assets | 4,921,450,000 | 5,234,660,000 | 5,458,779,000 | 5,655,626,000 |