Pathward Financial Results Presentation Deck

NON-GAAP RECONCILIATION 31 Efficiency Ratio ($ in thousands) Noninterest expense - GAAP Net interest income Noninterest income Total Revenue: GAAP Efficiency ratio, LTM Adjusted Efficiency Ratio ($ in thousands) Noninterest expense - GAAP Less: Rebranding expenses Adjusted noninterest expense Net interest income Noninterest income Less: Gain on sale of trademarks Total Adjusted Revenue: Adjusted Efficiency ratio, LTM Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation Dec 31, 2022 407,899 319,768 272,993 592,761 68.81% Dec 31, 2022 407,899 16,883 391,016 319,768 272,993 10,000 582,761 67.10% For the last twelve months ended Jun 30, 2023 449,803 362,687 304,004 666,691 67.47% Mar 31, 2023 431,875 337,373 290,265 627,638 68.81% Sep 30, 2023 464,975 387,861 316,599 704,460 66.00% For the last twelve months ended Jun 30, 2023 449,803 10,636 439,167 362,687 304,004 10,000 656,691 66.88% Mar 31, 2023 431,875 14,063 417,812 337,373 290,265 10,000 617,638 67.65% Sep 30, 2023 464,975 3,737 461,238 387,861 316,599 10,000 694,460 66.42% Dec 31, 2023 479, 190 413,840 303,583 717,423 66.79% Dec 31, 2023 479,190 479, 190 413,840 303,583 717,423 66.79% pathward

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