Pathward Financial Results Presentation Deck

Loan Portfolio HIGHLIGHTS Remain focused on growing the Commercial Finance loan portfolio. Commercial Finance balances grew 23% from the fourth quarter of the prior year. Sequential quarter growth of $134 million in Insurance Premium Finance and $54 million in Consumer Finance. Yields continue to increase in the rising rate environment as variable loans adjust and fixed loans are gradually replaced and repriced. 2Q23 balances and yields elevated by seasonal tax loans. 21 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation 7.12% $3.6 4Q22 $3.0 4Q22 Average Loans and Yields ($B) $3.5 $3.5 $0.3 $0.0 $0.3 $0.0 $0.2 $0.2 $3.0 7.70% 1Q23 $3.5 1Q23 Period End Portfolio Composition ($B) $3.7 $0.4 $3.1 2Q23 8.47% $0.1 $0.1 $4.0 2Q23 $4.1 $0.4 $3.4 3Q23 8.31% $0.0 $0.2 $3.9 3Q23 $4.4 $0.4 $0.0 $0.3 $3.7 4Q23 8.33% $4.3 4Q23 Warehouse Tax Services Consumer Commercial pathward

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