Slide 1: Earnings Supplement Second Quarter 2026
www.cassinfo.com | ©2026 Cass Information Systems | Earnings Supplement Second Quarter 2026
Slide 2: Forward-Looking Information
www.cassinfo.com | ©2026 Cass Information Systems | Forward-Looking Information All statements other than statements of historical fact included in this presentation, including without limitation the Company’s future prospects and performance, the business strategy and the plans and objectives of th
Slide 3: Q2 2026 Financial Highlights
www.cassinfo.com | ©2026 Cass Information Systems | • Record net income and diluted earnings per share of $10.6 million and $0.81, respectively. • Adjusted net income and adjusted diluted earnings per share from continuing operations of $9.2 million and $0.71, increases of 18.1% and 22.4% compared t
Slide 4: Core Earnings Metrics
www.cassinfo.com | ©2026 Cass Information Systems | Core Earnings Metrics $7.8M $9.2M Q2'25 Q2'26 $0.58 $0.71 Q2'25 Q2'26 ADJUSTED NET INCOME FROM CONTINUING OPERATIONS (1) ADJUSTED DILUTED EPS FROM CONTINUING OPERATIONS (1) (1) Refer to explanation of use of non-GAAP financial measures and reconcil
Slide 5: Processing Fees and Transaction Volumes
www.cassinfo.com | ©2026 Cass Information Systems | The change in processing fees quarter to quarter is generally correlated to transportation and facility invoice volumes. Processing fees declined 3.7% as compared to 2Q2025 due to lower transportation and facility transaction volumes. Transportatio
Slide 6: Transportation and Facility Dollar Volumes
www.cassinfo.com | ©2026 Cass Information Systems | $5.51B $5.66B $1,331 $1,408 900 1100 1300 1500 1700 1900 Q2'25 Q2'26 $9.37B $10.06B $1,060 $1,161 900 1000 1100 1200 1300 1400 1500 6.7E+09 7.2E+09 7.7E+09 8.2E+09 8.7E+09 9.2E+09 9.7E+09 1.02E+10 Q2'25 Q2'26 $1.12B $1.18B Q2'25 Q2'26 Transportatio
Slide 7: Financial Fees and Payments in Advance of Funding
www.cassinfo.com | ©2026 Cass Information Systems | Financial Fees and Payments in Advance of Funding Financial fees increased $790,000, or 7.8%, from 2Q2025. The increase was due to an increase in average payments in advance of funding of 19.4%. Rising freight rates, combined with higher demand for
Slide 8: Net Interest Income / Margin
www.cassinfo.com | ©2026 Cass Information Systems | Net interest income increased $2.1 million, or 10.6%, from 2Q2025 driven by a higher net interest margin (NIM) and an increase in average interest-earning assets of $108.7 million, or 5.2%. The NIM improved 22 basis points from 2Q2025 to 4.00% larg
Slide 9: Loans and Loan Yield
www.cassinfo.com | ©2026 Cass Information Systems | Loans increased $41.8 million, or 3.9%, as compared to December 31, 2025, driven by an increase in other C&I. The Company expects to achieve overall loan growth of 6-8% during full year 2026. The Company’s loan yield improved to 5.87% during 2Q2026
Slide 10: Deposits and Deposit Cost
www.cassinfo.com | ©2026 Cass Information Systems | Average deposits increased $66.1 million, or 6.6% as compared to 2Q2025. The Company experienced growth in average CassPay deposits of $43.4 million, or 18.0%, as compared to 2Q2025. The Company expects average CassPay deposits to increase in comin
Slide 11: Loans & Securities Repricing or Maturity
www.cassinfo.com | ©2026 Cass Information Systems | Loans & Securities (book value) Repricing or Maturity 11 1 Year > 1 to 3 >3 to 5 > 5 Floating Fixed or Less Years Years Years Total Rate Rate Commercial and Industrial: Franchise 39,013 11,092 12,050 169,365 231,520 21,987 209,533 Leases 5,714 44,9
Slide 12: Expenses
www.cassinfo.com | ©2026 Cass Information Systems | $27.8M $27.6M $27.4M $27.3M $27.1M Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 $38.1M $36.8M Q2'25 Q2'26 $38.1M $38.5M Q2'25 Q2'26 Total operating expenses were $36.8 million as compared to $38.1 million in 2Q2025. Operating expense for 2Q2026 includes a $1.8 mi
Slide 13: Prudent Stewards of Capital
www.cassinfo.com | ©2026 Cass Information Systems | The company remains a consistent dividend payer and grower, paying regularly scheduled cash dividends since 1934. In addition, the Company repurchased 65,557 shares of common stock during the current quarter, resulting in a total cash return to sha
Slide 14: Opportunities for Future Earnings Growth and Value Creation
www.cassinfo.com | ©2026 Cass Information Systems | Compelling Opportunities for Future Earnings Growth and 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
Slide 15: Appendix
www.cassinfo.com | ©2026 Cass Information Systems | Appendix 15
Slide 16: Use of Non-GAAP Financial Measures
www.cassinfo.com | ©2026 Cass Information Systems | 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
Slide 17: Reconciliation of GAAP to Non-GAAP Financial Information
www.cassinfo.com | ©2026 Cass Information Systems | Reconciliation of GAAP to Non-GAAP Financial Information 17