Pathward Financial Results Presentation Deck

CAPITAL AND SOURCES OF LIQUIDITY Regulatory Capital as of December 31, 2023 At December 31, 2023¹ Tier 1 Leverage Common Equity Tier 1 Tier 1 Capital Total Capital Pathward Financial, Inc. 7.96% 11.43% 11.69% 13.12% Pathward, N.A. 8.15% 11.97% 11.97% 13.01% Primary & Secondary Liquidity Sources ($ in millions) Cash and Cash Equivalents Unpledged Investment Securities FHLB Borrowing Capacity Funds Available through Fed Discount Window Unsecured Funding Providers Deposit Balances Held at Other Banks Total Liquidity $672 $37 $899 $245 $875 $1,079 $3,807 1 Regulatory capital reflects the Company's election of the five-year CECL transition for regulatory capital purposes. Amounts are preliminary pending completion and filing of the Company's regulatory reports. 27 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation Tier 1 Leverage Ratio 8.37% 8.68% 1Q23 7.53% Total Capital Ratio 1Q23 7.79% 2Q23 8.40% 2Q23 14.29% 14.29% 14.06% 14.03% HII 8.67% 3Q23 Pathward Financial, Inc. 13.45% 13.42% 3Q23 8.11% 8.32% 4Q23 4Q23 7.96% 8.15% 12.84% 12.76% 13.12% 13.01% Pathward, N.A. Minimum Requirement to be Well-Capitalized under Prompt Corrective Action Provisions 1Q24 1Q24 pathward

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