Pathward Financial Results Presentation Deck

Capital and Sources of Liquidity Regulatory Capital as of September 30, 2023 At September 30, 2023¹ Tier 1 Leverage Common Equity Tier 1 Tier 1 Capital Total Capital Pathward Financial, Inc. 8.11% 11.25% 11.50% 12.84% Pathward, N.A. 8.32% 11.81% 11.81% 12.76% 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 $375 $83 $785 $252 $875 $268 $2,638 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. 26 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation Tier 1 Leverage Ratio 8.10% 8.19% 8.37% HI 4Q22 Total Capital Ratio 13.88% 13.57% 8.68% 4Q22 1Q23 7.53% 1Q23 7.79% 14.29% 14.29% 14.06% 1 Pathward Financial, Inc. 2Q23 2Q23 3% 8.40% 8.67% 3Q23 13.45% 13.42% 3Q23 8.11% 8.32% Minimum Requirement to be Well-Capitalized under Prompt Corrective Action Provisions Pathward, N.A. 4Q23 12.84% 12.76% 4Q23 pathward

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