Pathward Financial Results Presentation Deck

Non-GAAP Reconciliation Net Interest Margin and Cost of Deposits ($ in thousands) Average Interest Earning Assets Net Interest Income Net Interest Margin Average Total Deposits Deposit Interest Expense Cost of Deposits ($ in thousands) Average Interest Earning Assets Net Interest Income Less: Contractual, Rate-Related Processing Expense Adjusted Net Interest Income Adjusted Net Interest Margin Average Total Deposits Deposit Interest Expense Add: Contractual, Rate-Related Processing Expense Sep-20 6,806,366 5,636,444 9,768,242 7,316,820 64,513 65,999 73,850 68,475 3.77% 4.65% 3.75% 3.07% Adjusted Deposit Expense Adjusted Cost of Deposits 6,466,574 5,426,444 Sep-20 6,806,366 64,513 44 64,469 3.77% 6,466,574 1,904 Dec-20 1,904 0.12% Adjusted Net Interest Margin and Adjusted Cost of Deposits 44 1,948 0.12% 797 0.06% Dec-20 65,999 50 65,948 4.64% 5,426,444 797 50 Mar-21 847 9,565,560 0.06% 445 0.02% Sep-21 5,636,444 9,768,242 7,316,820 6,438,572 73,850 68,475 Mar-21 59 73,791 3.06% 445 Jun-21 59 6,981,439 504 0.02% 188 0.01% Jun-21 31 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation 578 67,897 3.75% 188 578 Sep-21 6,438,572 6,183,646 70,667 71,613 4.35% 766 0.04% 165 6,076,868 5,921,384 0.01% 70,667 205 70,461 4.34% 165 For the Quarter Ended 205 370 Dec-21 0.02% 4.59% 141 0.01% Dec-21 71,613 9,565,560 6,981,439 6,076,868 5,921,384 6,679,422 128 71,485 4.59% For the Quarter Ended 141 Mar-22 128 269 Sep-22 7,082,417 6,082,329 6,073,822 83,800 72,151 79,760 4.76% 5.21% 4.80% 0.02% 6,679,422 5,741,072 166 0.01% Mar-22 217 83,583 4.79% Jun-22 Sep-22 6,183,646 7,082,417 6,082,329 6,073,822 5,934,431 83,800 72,151 166 217 382 0.02% 94 0.01% Jun-22 2,158 69,994 4.62% 5,741,072 94 2,158 2,252 0.16% 99 0.01% 79,760 7,372 5,765,047 5,636,658 6,386,592 5,895,242 6,204,934 72,388 4.73% 5,765,047 99 Dec-22 7,372 5,934,431 84,056 5.62% 7,471 0.52% 142 0.01% Dec-22 84,056 13,985 70,071 4.68% 5,636,658 142 13,985 14,128 Sep-23 6,717,918 6,326,750 6,724,185 101,406 97,464 104,934 6.18% 6.19% 1.00% Mar-23 6.12% 2,095 0.13% Mar-23 20,369 81,037 Sep-23 6,717,918 6,326,750 6,724,185 101,406 97,464 104,934 4.89% Jun-23 2,095 20,369 164 22,465 1.41% 0.01% Jun-23 20,528 76,936 4.88% 6,386,592 5,895,242 6,204,934 164 20,528 1,954 0.12% 20,692 1.41% 22,473 82,461 4.87% 1,954 22,473 24,427 1.56% For the Year Ended Sep-23 6,424,492 387,861 6.04% 6,029,279 4,356 0.07% For the Year Ended Sep-23 6,424,492 387,681 77,356 310,325 4.83% 6,029,279 4,356 77,356 81,712 1.36% pathward

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