Pathward Financial Results Presentation Deck

Non-GAAP Reconciliation 24 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: Efficiency Ratio, LTM Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation Dec 31, 2021 353,544 284,605 312,039 596,644 59.26% Dec 31, 2021 353,544 3 353,541 284,605 312,039 50,000 546,644 64.67% For the last twelve months ended Jun 30, 2022 375,860 298,231 299,893 598,124 62.84% Mar 31, 2022 360,733 294,555 308,352 602,907 59.83% Sep 30, 2022 385,275 307,324 293,807 601,131 64.09% For the last twelve months ended Jun 30, 2022 375,860 6,249 369,611 298,231 299,893 50,000 548,124 67.43% Mar 31, 2022 360,733 2,822 357,911 294,555 308,352 50,000 552,907 64.73% Sep 30, 2022 385,275 13,148 372,127 307,324 293,807 50,000 551,131 67.52% 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% pathward

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