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 Dec-20 Adjusted deposit expense Adjusted cost of deposits 5,636,444 65,999 4.65% 5,426,444 797 0.06% 445 0.02% 188 0.01% Adjusted Net Interest Margin and Adjusted Cost of Deposits Dec-20 5,636,444 65,999 50 65,948 4.64% 5,426,444 797 50 847 Mar-21 0.06% 9,768,242 73,850 3.07% 9,565,560 6,981,439 Mar-21 73,850 59 73,791 3.06% 9,565,560 Sep-21 9,768,242 7,316,820 6,438,572 70,667 445 59 Jun-21 Sep-21 Sep-22 7,316,820 6,438,572 6,183,646 7,082,417 6,082,329 6,073,822 70,667 79,760 4.35% 5.21% 83,800 68,475 3.75% 71,613 4.59% 72,151 4.76% 504 0.02% Jun-21 68,475 578 67,897 3.75% 6,981,439 188 578 766 6,076,868 0.04% 32 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation 165 0.01% 205 70,461 4.34% 6,076,868 165 205 370 Dec-21 0.02% 141 0.01% Dec-21 5,921,384 6,679,422 6,183,646 71,613 128 71,485 4.59% 5,921,384 141 128 For the Quarter Ended 269 0.02% Mar-22 4.80% 166 0.01% Mar-22 7,082,417 83,800 217 For the Quarter Ended 83,583 4.79% 6,679,422 166 217 Jun-22 382 0.02% 94 5,741,072 5,765,047 5,636,658 0.01% Jun-22 72,151 2,158 69,994 4.62% 5,741,072 94 Sep-22 6,082,329 6,073,822 5,934,431 79,760 2,158 2,252 99 0.16% 0.01% 7,372 72,388 4.73% 99 Dec-22 7,372 5,934,431 84,057 5.62% 7,471 0.52% 142 0.01% Dec-22 5,765,047 5,636,658 84,057 13,985 70,072 4.68% 142 13,985 14,128 1.00% Mar-23 Sep-23 6,717,918 6,326,750 6,724,185 101,406 97,464 104,934 6.12% 6.19% 6,386,592 5,895,242 2,095 0.13% Mar-23 6,717,918 101,406 20,369 81,037 4.89% 6,386,592 2,095 20,369 22,465 Jun-23 1.41% 6.18% 164 0.01% Jun-23 Sep-23 6,326,750 6,724,185 97,464 20,528 76,936 4.88% 5,895,242 164 20,528 20,692 6,204,934 1.41% 1,954 0.12% 104,934 22,473 82,461 4.87% 6,204,934 1,954 22,473 24,427 1.56% Dec-23 7,031,922 110,036 6.23% 6,558,189 3,526 0.21% Dec-23 7,031,922 110,036 26,793 83,243 4.71% 6,558,189 3,526 26,793 30,319 1.84% pathward

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