Cass Information Systems, Inc · NASDAQ:CASS

Cass Information Systems — Investor Presentation (April 2026)

35 slides from Cass Information Systems's investor presentation, April 2026

Slide 2: Forward-Looking Information
Forward-Looking Information All statements other than statements of historical fact included in this release, including without limitation the Company’s future prospects and performance, the business strategy and the plans and objectives of the Company's management for future operations, are forward
Slide 4: Overview
Overview Cass is an information services company that processes freight and facility payments for many of the world’s largest global companies, supported by a strong and profitable commercial bank Transportation Spend Facilities Expense $600 MILLION $2.5 BILLION Market. Cap. Assets Management Manage
Slide 5: CASS Information Systems / Payments
CASS Information Systems / Payments $94 BILLION Annual payments volume Transportation information systems provides freight audit and payment services for all transportation modes and movement 51 MILLION types, including parcel and last mile Annual invoice volume Facilities expense management provide
Slide 6: Cass Information Systems is 185 Countries
Cass Information Systems is A major payments company that supports a company’s global business while tightly protecting its assets As a publicly held, financial holding $94 billion DOLLARS PAID Activity in company, Cass is regulated by the $37 billion Freight 185 COUNTRIES SEC, Federal Reserve, and
Slide 7: Cass Commercial Bank
Cass Commercial Bank $1.3 BILLION Total Assets Cass Commercial Bank operates in five primary niches: St. Louis Commercial and Industrial market QSR Franchisees $1.1 BILLION Total Deposits Faith-Based organizations across the U.S. Not-for-Profit organizations Equipment Finance $1.1 BILLION Strong tra
Slide 8: What We Do
What We Do Cass helps the world’s largest companies manage their facilities and transportation costs. By processing and paying client invoices, we help companies: • Gain crucial financial support for large, difficult-to-manage spend categories • Offload and automate difficult, repetitive, time-consu
Slide 9: How We Do It Why We Do It
How We Do It Why We Do It Our AI, Technology and Industry Expert Human Resources The Value Proposition of What We Do for Clients Delivered through: Which results in: • Significant investments in AI/ML solutions to accelerate • High quality data which drives informed decisions, invoice and document p
Slide 10: Artificial Intelligence (AI) Usage at Cass
Artificial Intelligence (AI) Usage at Cass Technology implementation is driving near-term efficiency gains and a meaningfully improved client experience. Document ingestion and data processing Cass uses modern AI coding tools to implement a data processing architecture that exists first and foremost
Slide 11: Advantages of Having a Commercial Bank / Balance Sheet
Advantages of Having a Commercial Bank / Balance Sheet Monetization of Payment Flows Control, Retention, and Sales Advantage • Earn yields on payment float held on • Retain full economics without reliance on Cass balance sheet third-party financial partners • Depository structure creates incremental
Slide 12: Our Clients Stay With Us Long-Term
Our Clients Stay With Us Long-Term Client retention is driven by deep operational integration and a fully integrated platform spanning payments, audit, and data. Together, these Operational Footprint capabilities create meaningful switching costs and durable, long-term relationships. • Deeply embedd
Slide 13: Transportation Spend Management
Transportation Spend Management Freight Audit & Payment www.cassinfo.com | ©2026 Cass Information Systems | 13
Slide 14: We Deliver Best Practices Globally
We Deliver Best Practices Globally Cass provides a unified platform to manage global freight across modes, including last mile, parcel, and ocean. The solution enables improved working capital through optimized carrier payment Resource expertise terms while delivering real-time data and decision int
Slide 15: Cass Freight Index – Trusted Insights
Cass Freight Index® – Trusted Insights The Cass Freight Index® has been a trusted measure of the North American freight market since 1995. Our monthly data and the Cass Transportation Index Report provide valuable insight into freight trends as they relate to other economic and supply chain indicato
Slide 16: The Decision Intelligence Suite
The Decision Intelligence Suite CassPort Analytics Cass Benchmarking Cass + SONAR SCI Monitor and understand Compare rates for truckload, Layer truckload data with transportation spend LTL, intermodal, and rail to real-time market conditions other Cass clients for optimal spend and service managemen
Slide 17: Facilities Expense Management
Facilities Expense Management www.cassinfo.com | ©2026 Cass Information Systems | 17
Slide 18: We Deliver Utility Bill Solutions Across All Facilities Services, Including MRO
We Deliver Utility Bill Solutions Across All Facilities Services, Including MRO Importance Invoice Challenges Value Proposition Facilities payments are one Hundreds to thousands of Simplify the complex world of a company’s top operating bills from many vendors of facility costs by paying expenses ou
Slide 19: We Have Expertise In All Facilities Service Types & Industry Segments
We Have Expertise In All Facilities Service Types & Industry Segments Simplifying the complexities of managing Invoice recurring, typically non-PO invoices related to physical Processing infrastructure across all service types Paying vendors accurately and on time, which minimizes exceptions, late f
Slide 20: We Deliver Reporting for Utility Usage, Including Sustainability & Diversion Data
We Deliver Reporting for Utility Usage, Including Sustainability & Diversion Data We partner with a company’s energy management, procurement and reporting providers to allow for the selection of best- of-breed solutions, resulting in a high quality and complete facilities management solution Sustain
Slide 22: TouchPoint is All-in-One Church Management Software
TouchPoint is All-in-One Church Management Software • Significant growth potential into target market of 35,000 churches with average weekly attendance of 350+ • Acquired by Cass in 2022 with 300+ clients • Processes over $200 million in annual giving for these across the United States churches. Wor
Slide 24: Cass Commercial Bank is a 5-Star Rated Bank for its Financial Soundness
Cass Commercial Bank is a 5-Star Rated Bank for its Financial Soundness Conservative management with more than 10 years with no charge-offs, Founded in St. Louis, MO in 1906 reflecting prudent risk practices Specialized banking focused on faith-based institutions, not-for- Exclusively Engaged in Com
Slide 25: The Bank Generates Deposits Through Three Primary Channels
The Bank Generates Deposits Through Three Primary Channels CassPay Faith-Based Institutions C&I and Not-for-Profits CassPay supports large fintech Long-standing reputation with faith- clients with complex payables Focused on privately held based community infrastructure businesses and not-for-profit
Slide 27: Full Year 2025 Financial Highlights
Full Year 2025 Financial Highlights • Record net income and diluted earnings per share of $35.1 million and $2.61, respectively. • Return on average equity and assets of 14.98% and 1.43%, respectively. • Increase in net interest income of $13.5 million, or 19.8%. • Increase in facility dollar volume
Slide 28: FY'25 Financial Summary
FY’25 Financial Summary Revenue Mix Diluted Net Income EPS Financial Processing Fees 21% $35.1M $2.61 Fees (+83.2% Y/Y) (+87.8% Y/Y) 35% Net Interest ROE ROA Income 43% Other 1% Funding Mix (FY25 Average) 14.98% 1.43% (+661bps Y/Y) (+61bps Y/Y) Payment Float 53% Total Revenue Net-Interest Margin Non
Slide 29: Net Interest Income (Continued)
Net Interest Income (Continued) The Company’s net interest margin has historically trended above the average 5-year UST. With the rise in long- term bond yields over the last 3-4 years, the yields on many of the Company’s fixed rate loans and investment securities are below current market interest r
Slide 30: Prudent Stewards of Capital
Prudent Stewards of Capital The company remains a consistent dividend payer and grower, paying regularly scheduled cash dividends since 1934. In addition, the Company repurchased 64,802 shares of common stock during the current quarter, resulting in a total cash return to shareholders of $7.0 millio
Slide 31: Compelling Opportunities for Future Value Creation
Compelling Opportunities for Future Value Creation Driving efficiency and improved results in data ingestion and client relations functions through AI Net interest income and margin growth as fixed rate interest-earning assets reprice in higher interest rate environment Opportunity to grow payment f
Slide 32: Use of Non-GAAP Financial Measures
Use of Non-GAAP Financial Measures Certain of the financial measures and ratios the Company presents, including “adjusted net income from continuing operations,” and “adjusted diluted earnings per share from continuing operations,” are supplemental measures that are not required by, or are not prese
Slide 35: Reconciliation of GAAP to Non-GAAP Financial Information
Reconciliation of GAAP to Non-GAAP Financial Information Three Months Ended Year Ended 12/31/25 9/30/25 6/30/25 3/31/25 12/31/24 12/31/25 12/31/24 Net income from continuing operations (GAAP) $ 8,189 $ 9,212 $ 5,160 $ 8,551 $ 4,158 $ 31,112 $ 18,558 Adjustments: (Gain) loss on sale of investment sec

Cass Information Systems — Investor Presentation (April 2026) on 6ix

Cass Information Systems — Investor Presentation (April 2026)

Slide 1: Investor Presentation

Slide 2: Forward-Looking Information

Slide 3: Cass At A Glance

Slide 4: Overview

Slide 5: CASS Information Systems / Payments

Slide 6: Cass Information Systems is 185 Countries

Slide 7: Cass Commercial Bank

Slide 8: What We Do

Slide 9: How We Do It Why We Do It

Slide 10: Artificial Intelligence (AI) Usage at Cass

Slide 11: Advantages of Having a Commercial Bank / Balance Sheet

Slide 12: Our Clients Stay With Us Long-Term

Slide 13: Transportation Spend Management

Slide 14: We Deliver Best Practices Globally

Slide 15: Cass Freight Index – Trusted Insights

Slide 16: The Decision Intelligence Suite

Slide 17: Facilities Expense Management

Slide 18: We Deliver Utility Bill Solutions Across All Facilities Services, Including MRO

Slide 19: We Have Expertise In All Facilities Service Types & Industry Segments

Slide 20: We Deliver Reporting for Utility Usage, Including Sustainability & Diversion Data

Slide 21: TouchPoint

Slide 22: TouchPoint is All-in-One Church Management Software

Slide 23: Cass Commercial Bank

Slide 24: Cass Commercial Bank is a 5-Star Rated Bank for its Financial Soundness

Slide 25: The Bank Generates Deposits Through Three Primary Channels

Slide 26: Financial Overview

Slide 27: Full Year 2025 Financial Highlights

Slide 28: FY'25 Financial Summary

Slide 29: Net Interest Income (Continued)

Slide 30: Prudent Stewards of Capital

Slide 31: Compelling Opportunities for Future Value Creation

Slide 32: Use of Non-GAAP Financial Measures

Slide 33: Thank you!

Slide 34: Appendix

Slide 35: Reconciliation of GAAP to Non-GAAP Financial Information