Pathward Financial Results Presentation Deck

Capital and Sources of Liquidity Regulatory Capital as of December 31, 2022 At December 31, 2022¹ Tier 1 Leverage Common Equity Tier 1 Tier 1 Capital Total Capital Pathward Financial, Inc. 8.37% 12.31% 12.63% 14.29% Cash and Cash Equivalents Unpledged Investment Securities FHLB Borrowing Capacity Funds Available through Fed Discount Window PPP Loan Collateral Unsecured Lines of Credit Deposit Balances Held at Other Banks 20 Pathward, N.A. 8.68% 13.09% 13.09% 14.29% Primary & Secondary Liquidity Sources ($ in millions) $370 $165 $675 $200 $7 $580 - $625 $2,228 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. Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation Tier 1 Leverage Ratio 7.39% 8.52% 1Q22 13.80% 14.16% 6.80% Total Capital Ratio 1Q22 7.79% 2Q22 14.16%14.52% 2Q22 8.23% 8.22% 3Q22 13.44% Pathward Financial, Inc. 13.43% 3Q22 8.10% 8.19% 4Q22 13.88% 13.57% 8.37% Minimum Requirement to be Well-Capitalized under Prompt Corrective Action Provisions 4Q22 Pathward, N.A. 8.68% 1Q23 14.29% 14.29% 1Q23 pathward

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