Form 8-K

8-K — CASS INFORMATION SYSTEMS INC

Accession: 0000708781-26-000020

Filed: 2026-04-23

Period: 2026-04-21

CIK: 0000708781

SIC: 7389 (SERVICES-BUSINESS SERVICES, NEC)

Item: Results of Operations and Financial Condition

Item: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers

Item: Submission of Matters to a Vote of Security Holders

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — cass-20260421.htm (Primary)

EX-99.1 (cass-20260331xexx991.htm)

EX-99.2 (investorpresentation2026.htm)

EX-99.3 (earningssupplement2026q1.htm)

EX-99.4 (cassinformationsystemsin.htm)

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8-K

8-K (Primary)

Filename: cass-20260421.htm · Sequence: 1

cass-20260421

0000708781FALSE00007087812026-04-212026-04-21

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

______________________

FORM 8-K

______________________

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (date of earliest event reported): April 21, 2026

______________________

CASS INFORMATION SYSTEMS, INC.

(Exact name of registrant as specified in its charter)

______________________

Missouri 000-20827 43-1265338

(State or other jurisdiction of

incorporation or organization) (Commission

File Number) (I.R.S. Employer

Identification No.)

12444 Powerscourt Drive, Suite 550

St. Louis, Missouri

63131

(Address of principal executive offices) (Zip Code)

(314) 506-5500

(Registrant’s telephone number, including area code)

______________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act.

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act.

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading

Symbol Name of each exchange

on which registered

Common Stock, par value $0.50 per share CASS Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On April 23, 2026, Cass Information Systems, Inc. (the “Company”) issued a press release announcing its financial results for the first quarter of fiscal 2026. A copy of this press release is attached hereto as Exhibit 99.1 and incorporated herein by reference.

Also on April 23, 2026, the Company made available on the Investors section of the Company’s website at www.cassinfo.com, an investor presentation and an earnings supplement that includes information about the Company’s business and developments and certain financial information relating to the first quarter of fiscal 2026. The information contained in these presentations is summary information that is intended to be considered in the context of the Company’s Securities and Exchange Commission filings and other public announcements that the Company may make, by press release or otherwise, from time to time. A copy of the investor presentation is attached hereto as Exhibit 99.2 and incorporated herein by reference. A copy of the earnings supplement is attached hereto as Exhibit 99.3 and incorporated herein by reference.

The Company has used, and intends to continue using, the Investors portion of its website to disclose material non-public information and to comply with its disclosure obligations under Regulation FD. Accordingly, investors are encouraged to monitor the Company’s website in addition to following press releases, SEC filings, and public conference calls and webcasts.

The information reported under this Item 2.02 of Form 8-K, including Exhibit 99.1, Exhibit 99.2 and Exhibit 99.3 is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of such section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 5.02. Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.

On April 21, 2026, Ralph W. Clermont, James L. Lindemann, and Sally H. Roth retired from the Company’s Board of Directors after not standing for re-election at the 2026 Annual Meeting of Shareholders (the “Annual Meeting”). Their decisions not to stand for re-election are not the result of any dispute or disagreement with the Company on any matter relating to the operations, policies or practices of the Company.

On April 22, 2026, the Company issued a press release announcing the election of Mr. Drabik as a director and the retirements of Mr. Clermont, Mr. Lindemann and Ms. Roth, respectively. A copy of this press release is filed as Exhibit 99.4 to this Current Report on Form 8-K and incorporated herein by reference.

Item 5.07. Submission of Matters to a Vote of Security Holders.

On April 21, 2026, the Company held its 2026 Annual Meeting. The following is a summary of the matters voted on at the Annual Meeting:

(a) Election of seven directors to serve a one-year term ending in 2027, as follows:

Nominee Votes For Votes Against Abstentions Broker Non-Votes

Eric H. Brunngraber 8,637,669 89,737 65,045 1,836,269

John J. Drabik 8,711,926 16,556 63,969 1,836,269

Benjamin F. Edwards IV 8,493,630 229,398 69,423 1,836,269

Wendy J. Henry 8,700,246 16,166 76,039 1,836,269

Ann W. Marr 8,665,332 51,447 75,672 1,836,269

Martin H. Resch 8,676,113 47,802 68,536 1,836,269

Joseph D. Rupp 8,704,448 22,009 65,994 1,836,269

All director nominees were elected.

Accordingly, on April 21, 2026, John J. Drabik was elected as a member of the Company’s Board of Directors. As a member of the Board, Mr. Drabik has been appointed to serve on the Company’s Audit and Risk Committee.

As a member of the Board, Mr. Drabik will be entitled to receive the same compensation provided to the Company’s other non-employee directors, which includes a cash retainer and an annual grant of restricted stock valued at $80,000. Restricted stock awards are issued under the Company’s 2023 Omnibus Stock and Performance Compensation Plan. The shares carry voting and dividend rights and vest in one year on the first anniversary date of the award or, if elected by the director, vest at retirement from the Board.

With respect to the election of Mr. Drabik, there are no transactions and no proposed transactions required to be disclosed pursuant to Item 404(a) of Regulation S-K, no arrangements or understandings with any other person required to be disclosed pursuant to Item 5.02(d) of Form 8-K and 401(b) of Regulation S-K, and no family relationships required to be disclosed pursuant to Item 401(d) of Regulation S-K.

On April 22, 2026, the Company issued a press release announcing the retirements of Mr. Clermont, Mr. Lindemann and Ms. Roth, described above and the election of Mr. Drabik as a director. A copy of this press release is filed as Exhibit 99.4 to this Current Report on Form 8-K and incorporated herein by reference.

(b) Advisory approval of the Company’s executive compensation:

Votes For Votes Against Abstentions Broker Non-Votes

8,612,297 138,937 41,217 1,836,269

The Company’s executive compensation was approved by advisory vote.

for 2026:

Votes For Votes Against Abstentions

10,525,001 89,838 13,881

The selection of KPMG LLP to serve as the Company’s independent registered public accounting firm for 2026 was ratified.

Item 8.01. Other Events.

On April 21, 2026, the Company’s Board of Directors declared a second quarter dividend of $0.32 per share payable on June 15, 2026 to shareholders of record on June 5, 2026.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number Description

99.1

Press release issued by Cass Information Systems, Inc. dated April 23, 2026.

99.2

Investor presentation made available on the Investors section of the Company’s website.

99.3

Earnings supplement made available on the Investors section of the Company’s website.

99.4

Press release issued by Cass Information Systems, Inc. dated April 22, 2026.

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: April 23, 2026

CASS INFORMATION SYSTEMS, INC.

By: /s/ Martin H. Resch

Name: Martin H. Resch

Title: President and Chief Executive Officer

By: /s/ Michael J. Normile

Name: Michael J. Normile

Title: Executive Vice President and Chief Financial Officer

EX-99.1

Filename: cass-20260331xexx991.htm · Sequence: 2

Document

Exhibit 99.1

Contact: Cass Investor Relations

ir@cassinfo.com

April 23, 2026

Cass Information Systems reports First Quarter 2026 Results

Reports another quarter of strong EPS growth

Continued net interest margin expansion

Strong expense control

ST. LOUIS – Cass Information Systems, Inc. (Nasdaq: CASS) (the Company or Cass) today reported its first quarter 2026 earnings.

First Quarter Financial Highlights

•Net income and diluted earnings per share of $8.8 million and $0.67, respectively.

•Adjusted net income and adjusted diluted earnings per share from continuing operations of $8.7 million and $0.66, respectively, increases of 23.7% and 26.9%, respectively, compared to the prior year quarter.

•Increase in net interest margin to 3.95%, compared to 3.75% in the prior year quarter.

•Increase in facility dollar volumes of 7.4% compared to the prior year quarter.

•Personnel expense levels flat compared to the prior year quarter as a result of ongoing automation and efficiency initiatives.

•Continued strong asset quality with no loan charge-offs and an allowance for credit losses to loans ratio of 1.27%. In addition, reduced non-performing loans by $3.9 million, or 55.1% as compared to December 31, 2025.

•Repurchased 64,802 shares of Company stock at a weighted average price of $44.34.

Martin Resch, the Company’s President and Chief Executive Officer, noted, “The management team is proud of how we have started the year. We continue to drive revenue growth while keeping core expenses relatively flat compared to prior periods.” Resch added, “Going forward in 2026, we see opportunities to grow net interest income driven by rising funding balances and the deployment of those funds into loans and investment securities, as well as increasing financial fees from higher demand for advances through Amplify and other quick pay solutions. The ability to combine revenue growth with expense control, primarily due to automation and the ongoing consolidation within our Facilities division, offers very compelling earnings momentum for us in coming periods."

Earnings for the first quarter of 2026 are summarized as follows:

($ in thousands, except per share data)

Three Months Ended

3/31/26

12/31/25

9/30/25

6/30/25

3/31/25

Net income from continuing operations $ 8,739 $ 8,189 $ 9,212 $ 5,160 $ 8,551

Net income $ 8,832 $ 8,189 $ 9,106 $ 8,855 $ 8,966

Diluted earnings per share from continuing operations $ 0.66 $ 0.62 $ 0.69 $ 0.38 $ 0.63

Diluted earnings per share $ 0.67 $ 0.62 $ 0.68 $ 0.66 $ 0.66

Return on average equity 14.63% 13.45% 15.29% 15.35% 15.91%

Return on average assets 1.42% 1.28% 1.44% 1.48% 1.51%

Net interest margin 3.95% 3.93% 3.87% 3.78% 3.75%

($ in thousands, except per share data)

Three Months Ended

3/31/26 12/31/25 9/30/25 6/30/25 3/31/25

Net income from continuing operations (GAAP) $ 8,739 $ 8,189 $ 9,212 $ 5,160 $ 8,551

Net income adjustments(1)

(4) 821 (3) 2,674 (1,489)

Adjusted net income from continuing operations (Non-GAAP) (1)

$ 8,735 $ 9,010 $ 9,209 $ 7,834 $ 7,062

Diluted earnings per share from continuing operations (GAAP) $ 0.66 $ 0.62 $ 0.69 $ 0.38 $ 0.63

Adjusted diluted earnings per share from continuing operations (Non-GAAP) (1)

$ 0.66 $ 0.68 $ 0.69 $ 0.58 $ 0.52

(1)Refer to explanation of use of non-GAAP financial measures and reconciliation of adjusted net income from continuing operations and adjusted diluted earnings per share from continuing operations as presented later in this earnings release.

First Quarter 2026 Financial Commentary

(All comparisons refer to the first quarter of 2025, except as noted)

Transportation Invoice and Dollar Volumes – Transportation invoice volumes of 8.1 million decreased 3.1% as compared to the first quarter of 2025. Transportation dollar volumes of $9.0 billion increased 4.5% as compared to the first quarter of 2025. The average dollars per invoice were $1,115 in the first quarter of 2026, compared to $1,093 in the fourth quarter of 2025 and $1,034 in the first quarter of 2025. Invoice volumes remain lower than prior periods primarily due to the ongoing freight recession. Dollars per invoice increased as compared to the first quarter of 2025 due to an increase in overall freight rates, as well as the impact of tariffs. A more detailed analysis of Cass Freight Index® changes can be found at www.cassinfo.com.

Facility Expense Invoice and Dollar Volumes – Facility expense invoice volumes of 4.0 million decreased 4.4% as compared to the first quarter of 2025. Facility expense dollar volumes totaled $6.3 billion, an increase of 7.4% as compared to the first quarter of 2025. The increase in facility dollar volumes was primarily driven by rising energy prices.

Processing Fees – Processing fees decreased $741,000, or 4.5% over the same period in the prior year due to lower transportation and facility transaction volumes.

Financial Fees – Financial fees, earned on a transactional level basis for invoice payment services when making customer payments, increased $470,000, or 4.7%. The increase in financial fees was primarily due to an increase in average payments in advance of funding of 2.0%. The Company has recently seen increased demand for its quick pay solutions and continues to focus on the rollout of its Amplify working capital solution as well as other opportunities to increase payments in advance of funding and resulting financial fees in future quarters.

Net Interest Income – Net interest income increased $1.9 million, or 10.1%. The increase in net interest income was attributable to the net interest margin improving to 3.95% as compared to 3.75% in the same period last year, in addition to an increase in average interest-earning assets of $110.2 million, or 5.2%.

The Company’s net interest margin improvement was driven by increases in the average yield on loans and investment securities of 20 and 83 basis points, respectively, combined with a decrease in the average cost of total deposits of 15 basis points, partially offset by a decrease in the yield on short-term investments of 73 basis points. The increase in loan yield

was driven by the continued maturity and subsequent re-pricing of fixed rate loans originated in the years 2021 and 2022 to current market interest rates as well as the payoff of a non-performing loan which increased the loan yield by seven basis points. The increase in the investment securities yield was driven by the partial repositioning of the portfolio at the end of the second quarter of 2025 as well as purchases of investments at current market rates. The decline in the cost of total deposits and yield on short-term investments was driven by the reduction in the federal funds rate.

The Company would expect continued expansion in its net interest margin in future quarters to the extent 3-5 year U.S. Treasury interest rates stay relatively consistent or increase as compared to current levels.

Provision for Credit Losses - The Company recorded a provision for credit losses of $61,000 during the first quarter of 2026 as compared to $905,000 in the first quarter of 2025. The provision for credit losses for the first quarter of 2026 was largely driven by loan growth.

Personnel Expenses - Personnel expenses were flat as compared to the first quarter of 2025. Salaries and commissions decreased $395,000, or 2.0%, as a result of the decrease in average full-time equivalent employees (“FTEs”) of 7.9% due to automation and the ongoing consolidation within our Facilities division, partially offset by merit increases. Share-based compensation and employee profit sharing increased $198,000 and $132,000, respectively, due to the improvement in net income from continuing operations. Other benefits increased $65,000, or 1.3%, due to higher health insurance costs, partially offset by the decrease in average FTEs.

The Company continues to expect a gradual decline in its FTEs in future quarters as a result of the continued focus on AI-enabled systems and other operational efficiency opportunities.

Equipment Expense - Equipment expense increased $138,000 as compared to the first quarter of 2025 primarily due to an increase in depreciation and licensing and maintenance expense on software related to recently completed technology initiatives.

Other Expense - Other expense increased $590,000, or 8.5%, as compared to the first quarter of 2025. The increase is primarily due to higher business development, postage and professional fees.

Loans - When compared to December 31, 2025, loans increased $27.5 million, or 2.6%. Other commercial and industrial loans increased $22.7 million during the first quarter of 2026. The Company expects loan growth of 6-8% for full year 2026.

Payments in Advance of Funding – Average payments in advance of funding increased $3.4 million, or 2.0%, as compared to the first quarter of 2025, primarily due to a 4.5% increase in transportation dollar volumes. The ending balance of payments in advance of funding increased $96.1 million, or 58.4%, as compared to December 31, 2025. The increase is due to a recent higher level of demand for the Company’s quick pay solutions as well as timing of quarter end advances.

Deposits – Average deposits increased $36.6 million, or 3.5%, when compared to the first quarter of 2025.

Accounts and Drafts Payable - Average accounts and drafts payable increased $100.1 million, or 9.3%, as compared to the first quarter of 2025. The increase in these balances, which are non-interest bearing, are primarily reflective of the increase in transportation and facility dollar volumes of 4.5% and 7.4%, respectively.

Short-term Borrowings - The Company had outstanding borrowings of $145.0 million on its lines of credit at March 31, 2026 primarily in order to fund a $96.1 million increase in payments in advance of funding as compared to December 31, 2025.

Shareholders’ Equity - Total shareholders’ equity decreased $1.2 million as compared to December 31, 2025 as a result of the repurchase of Company stock of $2.9 million, dividends of $4.1 million, and an increase in accumulated other comprehensive loss of $3.4 million, partially offset by net income of $8.8 million.

Dividend - On April 21, 2026, the Company’s Board of Directors approved a quarterly dividend of $0.32 per share with the dividend payable on June 15, 2026 to shareholders of record on June 5, 2026.

Repurchase of Common Stock - The Company repurchased 64,802 shares of common stock during the current quarter. The Company anticipates further repurchases in coming quarters with an overall objective of maintaining a leverage ratio of approximately 10.00%. Future levels of repurchases will depend on market conditions, earnings, balance sheet growth and potential acquisition opportunities.

Asset Quality - Non-performing loans totaled $3.1 million at March 31, 2026, a decrease of $3.9 million as compared to December 31, 2025. The Company received a full payoff on one of its three non-performing loans during the first quarter of 2026 and does not believe there is more than nominal loss exposure on the remaining two loans based on collateral position.

About Cass Information Systems

Cass Information Systems, Inc. is a leading provider of integrated information and payment management solutions. Cass enables enterprises to achieve visibility, control and efficiency in their supply chains, communications networks, facilities and other operations. Disbursing over $94 billion annually on behalf of clients, and with total assets of $2.5 billion, Cass is uniquely supported by Cass Commercial Bank. Founded in 1906 and a wholly owned subsidiary, Cass Commercial Bank provides sophisticated financial exchange services to the parent organization and its clients. Cass is part of the Russell 2000®. More information is available at www.cassinfo.com.

On April 7, 2025, the Company signed an Asset Purchase Agreement providing for the sale of its Telecom Expense Management & Managed Mobility Services (“TEM”) business to Asignet USA Inc. The sale closed on June 30, 2025. The Company has applied discontinued operations accounting in accordance with FASB Accounting Standards Codification (“ASC”), Topic 205-20, “Presentation of Financial Statements – Discontinued Operations,” to the assets and liabilities sold related to the Company's TEM Business Unit as of and for the periods ended March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025, and March 31, 2025, as applicable. All financial information in this earnings release is reported on a continuing operations basis, unless otherwise noted.

About Non-GAAP Financial Measures

Certain of the financial measures and ratios the Company presents, including “adjusted net income from continuing operations,” and “adjusted diluted earnings per share from continuing operations,” are supplemental measures that are not required by, or are not presented in accordance with, U.S. generally accepted accounting principles (GAAP). The Company refers to these financial measures and ratios as “non-GAAP financial measures.” The Company considers the use of select non-GAAP financial measures and ratios to be useful for financial and operational decision making and useful in evaluating period-to-period comparisons. The Company believes that these non-GAAP financial measures provide meaningful supplemental information regarding its performance by excluding certain revenue and expense items that the Company believes are not indicative of its primary business operating results or by presenting certain metrics on a fully taxable equivalent basis. The Company believes that management and investors benefit from referring to these non-GAAP financial measures in assessing the Company’s performance and when planning, forecasting, analyzing and comparing past, present and future periods.

These non-GAAP financial measures should not be considered a substitute for financial information presented in accordance with GAAP and you should not rely on non-GAAP financial measures alone as measures of the Company’s performance. The non-GAAP financial measures the Company presents may differ from non-GAAP financial measures used by the Company’s peers or other companies. The Company compensates for these differences by providing the equivalent GAAP measures whenever the Company presents the non-GAAP financial measures and by including a reconciliation of the impact of the components adjusted for in the non-GAAP financial measure so that both measures and the individual components may be considered when analyzing the Company’s performance. A reconciliation of non-GAAP financial measures to the comparable GAAP financial measures is included at the end of the financial statement tables.

Forward Looking Information

All statements other than statements of historical fact included in this release, including without limitation the Company’s future prospects and performance, the business strategy and the plans and objectives of the Company's management for future operations, are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. When used in this release, words such as “estimate,” “could,” “should,” “would,” “likely,” “may,” “will,” “plan,” “intend,” “believes,” “expects,” “anticipates,” “projected,” and variations of these terms and similar expressions. Although

the Company believes that the expectations reflected in the forward-looking statements are reasonable, the Company cannot guarantee future results, levels of activity, performance, or achievements. Actual results or business conditions may differ materially from those projected or suggested in forward-looking statements as a result of various factors including, but not limited to, those described below and in Part I, Item 1A, “Risk Factors” of our most recent Annual Report.

Actual results could differ materially from those contemplated by the forward-looking statements as a result of certain factors, including but not limited to general economic, market or business conditions unrelated to the Company’s operating performance, including inflation, changes in interest rates, changes in energy prices, supply chain disruptions, financial institution disruptions, geopolitical conflicts, public health emergencies and declines in consumer confidence and discretionary spending; the Company’s ability to compete with its competitors and increase market share; the Company’s ability to maintain compliance with rules and regulations applicable to our business operations and industry; increased regulatory examination scrutiny or new regulatory requirements; whether the Company’s customers continue to utilize its payment processing and related services; unfavorable developments concerning customer credit quality; risk associated with lending concentrations including, but not limited to, faith-based ministries and franchise restaurants; liquidity risk; and risks associated with cyber-attacks and data breaches.

Readers are cautioned not to place undue reliance on these forward-looking statements. Any forward-looking statement made by the Company in this release speaks only as of the date of this release. Unless required by law, the Company does not undertake to release publicly any revisions to these forward-looking statements to reflect future events or circumstances or to reflect the occurrence of unanticipated events. If the Company updates one or more forward-looking statements, no inference should be drawn that the Company will make additional updates with respect to those or other forward-looking statements.

Consolidated Statements of Income (unaudited)

($ and numbers in thousands, except per share data)

Three Months Ended

3/31/26 12/31/25 9/30/25 6/30/25 3/31/25

Processing fees $ 15,728 $ 16,304 $ 16,655 $ 16,700 $ 16,469

Financial fees 10,431 9,860 10,416 10,161 9,961

Total fee revenue $ 26,159 $ 26,164 $ 27,071 $ 26,861 $ 26,430

Interest and fees on loans 15,277 15,521 15,632 15,837 15,350

Interest and dividends on investment securities 6,995 6,767 5,679 4,799 4,147

Interest on short-term investments 2,832 3,078 3,860 3,003 3,893

Total interest income $ 25,104 $ 25,366 $ 25,171 $ 23,639 $ 23,390

Interest expense 3,888 3,895 4,151 4,164 4,116

Net interest income $ 21,216 $ 21,471 $ 21,020 $ 19,475 $ 19,274

(Provision for) release of credit losses (61) 389 193 (25) (905)

Gain (loss) on sale of investment securities 5 38 4 (3,558) (18)

Other 1,782 1,827 1,768 1,645 1,626

Total revenues $ 49,101 $ 49,889 $ 50,056 $ 44,398 $ 46,407

Salaries and commissions 19,268 20,304 20,105 20,638 19,663

Share-based compensation 1,439 1,009 1,018 918 1,241

Employee profit sharing 1,634 1,514 1,685 1,583 1,502

Other benefits 4,938 4,602 4,798 4,613 4,873

Total personnel expenses $ 27,279 $ 27,429 $ 27,606 $ 27,752 $ 27,279

Occupancy 681 643 734 669 721

Equipment 2,432 2,548 2,513 2,562 2,294

Amortization of intangible assets 293 293 293 293 293

Bad debt recovery — — — — (2,000)

Other 7,533 8,988 7,295 6,843 6,943

Total operating expenses $ 38,218 $ 39,901 $ 38,441 $ 38,119 $ 35,530

Income from continuing operations, before income tax expense $ 10,883 $ 9,988 $ 11,615 $ 6,279 $ 10,877

Income tax expense 2,144 1,799 2,403 1,119 2,326

Net income from continuing operations $ 8,739 $ 8,189 $ 9,212 $ 5,160 $ 8,551

Income (loss) from discontinued operations, net of tax 93 — (106) 3,695 415

Net income $ 8,832 $ 8,189 $ 9,106 $ 8,855 $ 8,966

Basic earnings per share from continuing operations $ .68 $ .63 $ .70 $ .39 $ .64

Basic earnings (loss) per share from discontinued operations .01 — (.01) .28 .03

Basic earnings per share $ .69 $ .63 $ .69 $ .67 $ .67

Diluted earnings per share from continuing operations $ .66 $ .62 $ .69 $ .38 $ .63

Diluted earnings (loss) per share from discontinued operations .01 — (.01) .28 .03

Diluted earnings per share $ .67 $ .62 $ .68 $ .66 $ .66

Consolidated Balance Sheets (unaudited)

($ in thousands)

As of

3/31/26 12/31/25 9/30/25 6/30/25 3/31/25

Assets:

Cash and cash equivalents $ 244,343 $ 392,268 $ 258,634 $ 218,165 $ 220,674

Investment securities available-for-sale, at fair value 785,343 770,772 717,369 599,541 576,510

Loans 1,088,730 1,061,217 1,088,347 1,117,004 1,141,874

Less: Allowance for credit losses (13,861) (13,597) (14,066) (14,296) (14,286)

Loans, net $ 1,074,869 $ 1,047,620 $ 1,074,281 $ 1,102,708 $ 1,127,588

Payments in advance of funding 260,624 164,514 188,040 177,601 175,326

Premises and equipment, net 29,903 29,449 30,287 30,700 31,748

Investments in bank-owned life insurance 52,670 52,195 51,700 51,224 50,767

Goodwill and other intangible assets 19,599 19,892 20,200 20,493 20,786

Accounts and drafts receivable from customers 4,950 69,425 49,798 60,276 40,465

Other assets 61,490 59,889 63,313 55,310 60,536

Assets of discontinued operations — — — — 14,057

Total assets $ 2,533,791 $ 2,606,024 $ 2,453,622 $ 2,316,018 $ 2,318,457

Liabilities and shareholders’ equity:

Deposits

Non-interest bearing $ 406,113 $ 513,434 $ 407,169 $ 370,606 $ 363,798

Interest-bearing 699,570 686,599 627,491 633,189 636,277

Total deposits $ 1,105,683 $ 1,200,033 $ 1,034,660 $ 1,003,795 $ 1,000,075

Accounts and drafts payable 1,000,154 1,124,858 1,130,371 1,036,795 1,016,324

Short-term borrowings 145,000 — — — —

Other liabilities 41,162 38,135 45,142 34,606 48,823

Liabilities of discontinued operations — — — — 18,988

Total liabilities $ 2,291,999 $ 2,363,026 $ 2,210,173 $ 2,075,196 $ 2,084,210

Shareholders’ equity:

Common stock $ 7,753 $ 7,753 $ 7,753 $ 7,753 $ 7,753

Additional paid-in capital 206,807 207,052 205,925 204,842 203,755

Retained earnings 171,797 167,092 163,038 158,005 153,278

Common shares in treasury, at cost (114,366) (112,148) (103,835) (97,103) (91,025)

Accumulated other comprehensive loss (30,199) (26,751) (29,432) (32,675) (39,514)

Total shareholders’ equity $ 241,792 $ 242,998 $ 243,449 $ 240,822 $ 234,247

Total liabilities and shareholders’ equity $ 2,533,791 $ 2,606,024 $ 2,453,622 $ 2,316,018 $ 2,318,457

Consolidated Financial Summary (unaudited)

($ in thousands)

As of or for Three Months Ended

3/31/26 12/31/25 9/30/25 6/30/25 3/31/25

LOAN PORTFOLIO

Commercial & Industrial:

Franchise $ 233,088 $ 235,718 $ 249,855 $ 260,283 $ 258,539

Leases 123,914 119,186 123,601 111,657 124,290

Other 220,863 198,194 196,273 211,629 229,514

Commercial Real Estate:

Faith-Based 396,758 397,608 407,074 410,917 403,525

Other 114,107 110,511 111,544 122,518 126,006

Total loans $ 1,088,730 $ 1,061,217 $ 1,088,347 $ 1,117,004 $ 1,141,874

AVERAGE BALANCES

Interest-earning assets $ 2,214,838 $ 2,207,672 $ 2,189,384 $ 2,090,366 $ 2,104,603

Loans 1,066,371 1,081,819 1,095,412 1,125,899 1,109,526

Investment securities 777,777 755,004 667,271 613,782 554,905

Short-term investments 339,667 334,824 382,250 298,875 383,836

Payments in advance of funding 176,987 175,009 175,705 176,191 173,590

Assets 2,523,860 2,529,068 2,499,914 2,402,508 2,408,406

Non-interest bearing deposits 421,702 421,548 406,241 393,054 405,183

Interest-bearing deposits 648,261 614,165 610,403 615,921 628,214

Accounts and drafts payable 1,172,102 1,214,865 1,209,416 1,122,739 1,072,013

Shareholders’ equity $ 244,850 $ 241,525 $ 236,208 $ 231,414 $ 228,615

YIELDS (tax equivalent)1

Net interest margin 3.95% 3.93% 3.87% 3.78% 3.75%

Interest-earning assets 4.67% 4.63% 4.62% 4.58% 4.54%

Loans 5.81% 5.69% 5.66% 5.64% 5.61%

Investment securities 3.69% 3.59% 3.34% 3.02% 2.86%

Short-term investments 3.38% 3.65% 4.01% 4.03% 4.11%

Total deposits 1.47% 1.49% 1.62% 1.66% 1.62%

Interest-bearing deposits 2.43% 2.52% 2.70% 2.71% 2.66%

ASSET QUALITY

Allowance for credit losses to loans 1.27% 1.28% 1.29% 1.28% 1.25%

Non-performing loans $ 3,139 $ 6,992 $ 7,074 $ 3,380 $ —

Non-performing loans to total loans 0.29% 0.66% 0.65% 0.30% —%

Net loan charge-offs to loans —% —% —% —% —%

1 Yields are presented on a tax-equivalent basis assuming a tax rate of 21%.

Consolidated Financial Summary (unaudited) (continued)

($ and numbers in thousands, except average full-time equivalent employees)

As of or for Three Months Ended

3/31/26 12/31/25 9/30/25 6/30/25 3/31/25

SHARE DATA

Weighted average common shares outstanding 12,875 12,939 13,116 13,269 13,398

Weighted average common shares outstanding assuming dilution 13,152 13,219 13,399 13,562 13,653

Period end common shares outstanding 12,843 12,871 13,073 13,233 13,351

CAPITAL

Common equity tier 1 ratio 14.80% 15.10% 15.04% 14.82% 14.11%

Total risk-based capital ratio 15.63% 15.95% 15.90% 15.67% 14.94%

Leverage ratio 10.05% 9.91% 10.17% 10.62% 10.39%

OTHER INFORMATION

Transportation invoice volume 8,098 8,376 8,884 8,837 8,355

Transportation dollar volume $ 9,032,515 $ 9,156,077 $ 9,277,722 $ 9,370,535 $ 8,643,138

Facility expense invoice volume 4,038 4,058 4,084 4,141 4,225

Facility expense dollar volume $ 6,253,208 $ 5,686,642 $ 6,233,369 $ 5,513,143 $ 5,822,935

Average full-time equivalent employees 923 939 958 985 1,002

Assets and Liabilities of Discontinued Operations (unaudited)

($ in thousands)

As of

3/31/26 12/31/25 9/30/25 6/30/25 3/31/25

Assets:

Premises and equipment, net $ — $ — $ — $ — $ 3,605

Goodwill and other intangible assets, net — — — — 5,102

Other assets — — — — 5,350

Assets of discontinued operations $ — $ — $ — $ — $ 14,057

Liabilities:

Accounts and drafts payable $ — $ — $ — $ — $ 16,465

Other liabilities — — — — 2,523

Liabilities of discontinued operations $ — $ — $ — $ — $ 18,988

Income from Discontinued Operations (unaudited)

($ in thousands)

Three Months Ended

3/31/26 12/31/25 9/30/25 6/30/25 3/31/25

Revenue:

Processing fees $ — $ — $ — $ 3,807 $ 3,823

Financial fees — — — 475 413

Other fees 733 794 772 1,454 382

Gain on sale of TEM business — — — 3,550 —

Total revenue $ 733 $ 794 $ 772 $ 9,286 $ 4,618

Operating expense:

Salaries and commissions 433 487 536 2,858 2,756

Share-based compensation — — — (16) 43

Other benefits 72 90 183 525 616

Total personnel expenses $ 505 $ 577 $ 719 $ 3,367 $ 3,415

Occupancy 23 24 23 180 181

Equipment — 9 1 49 51

Amortization of intangible assets — — — 9 9

Other 81 184 170 754 434

Total operating expense $ 609 $ 794 $ 913 $ 4,359 $ 4,090

Income (loss) from discontinued operations, before income tax expense (benefit) $ 124 $ — $ (141) $ 4,927 $ 528

Income tax expense (benefit) 31 — (35) 1,232 113

Net income (loss) from discontinued operations $ 93 $ — $ (106) $ 3,695 $ 415

Other Information from Discontinued Operations (unaudited)

($ and numbers in thousands, except average full-time equivalent employees)

Three Months Ended

3/31/26 12/31/25 9/30/25 6/30/25 3/31/25

Facility expense invoice volume — — — 126 133

Facility expense dollar volume $ — $ — $ — $ 244,782 $ 256,844

Average full-time equivalent employees 23 26 27 120 135

Reconciliation of GAAP to Non-GAAP Financial Information (unaudited)

($ in thousands, except per share data)

Three Months Ended

3/31/26 12/31/25 9/30/25 6/30/25 3/31/25

Net income from continuing operations (GAAP) $ 8,739 $ 8,189 $ 9,212 $ 5,160 $ 8,551

Adjustments:

(Gain) loss on sale of investment securities (5) (38) (4) 3,558 18

Bad debt recovery — — — — (2,000)

Restructuring expense — 1,131 — — —

Tax effect1

1 (272) 1 (884) 493

Adjusted net income from continuing operations (Non-GAAP) $ 8,735 $ 9,010 $ 9,209 $ 7,834 $ 7,062

Diluted earnings per share from continuing operations (GAAP) $ 0.66 $ 0.62 $ 0.69 $ 0.38 $ 0.63

Adjusted diluted earnings per share from continuing operations (Non-GAAP) $ 0.66 $ 0.68 $ 0.69 $ 0.58 $ 0.52

1 The tax effect is calculated using the Company’s effective statutory rate of 21% plus the state tax effect.

EX-99.2

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investorpresentation2026

www.cassinfo.com | ©2026 Cass Information Systems | Forward-Looking Information All statements other than statements of historical fact included in this release, including without limitation the Company’s future prospects and performance, the business strategy and the plans and objectives of the Company's management for future operations, are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. When used in this release, words such as “estimate,” “could,” “should,” “would,” “likely,” “may,” “will,” “plan,” “intend,” “believes,” “expects,” “anticipates,” “projected,” and variations of these terms and similar expressions. Although the Company believes that the expectations reflected in the forward-looking statements are reasonable, the Company cannot guarantee future results, levels of activity, performance, or achievements. Actual results or business conditions may differ materially from those projected or suggested in forward-looking statements as a result of various factors including, but not limited to, those described below and in Part I, Item 1A, “Risk Factors” of our most recent Annual Report. Actual results could differ materially from those contemplated by the forward-looking statements as a result of certain factors, including but not limited to general economic, market or business conditions unrelated to the Company’s operating performance, including inflation, changes in interest rates, changes in energy prices, supply chain disruptions, financial institution disruptions, geopolitical conflicts, public health emergencies and declines in consumer confidence and discretionary spending; the Company’s ability to compete with its competitors and increase market share; the Company’s ability to maintain compliance with rules and regulations applicable to our business operations and industry; increased regulatory examination scrutiny or new regulatory requirements; whether the Company’s customers continue to utilize its payment processing and related services; unfavorable developments concerning customer credit quality; risk associated with lending concentrations including, but not limited to, faith- based ministries and franchise restaurants; liquidity risk; and risks associated with cyber-attacks and data breaches. Readers are cautioned not to place undue reliance on these forward-looking statements. Any forward-looking statement made by the Company in this release speaks only as of the date of this release. Unless required by law, the Company does not undertake to release publicly any revisions to these forward-looking statements to reflect future events or circumstances or to reflect the occurrence of unanticipated events. If the Company updates one or more forward-looking statements, no inference should be drawn that the Company will make additional updates with respect to those or other forward-looking statements. 2

www.cassinfo.com | ©2026 Cass Information Systems | Overview Market. Cap. $600 MILLION YTD ROE 14.63% YTD% Fees/Rev. 53.3% % Average YTD NIB Funding 71.1% Assets $2.5 BILLION YTD ROA 1.42% 4 Transportation Spend Management • End-to-end freight audit and payment across all modes • Deep carrier contract validation and cost control • Embedded within client workflows and TMS integrations • Scaled platform driving high- volume, recurring transactions Facilities Expense Management • Outsourced management of complex, multi-location expense categories • Invoice processing, validation, and payment automation • Data visibility and benchmarking to identify cost savings • Long-term client relationships with high retention Touchpoint • Church management software platform serving faith-based institutions • Supports engagement and administrative workflows CASS Commercial Bank / CassPay • Provides funding and liquidity across all operating segments • Generates low-cost deposits through embedded client relationships • Supports payment flows and working capital solutions • Enhances overall client stickiness and platform integration Cass is an information services company that processes freight and facility payments for many of the world’s largest global companies, supported by a strong and profitable commercial bank

www.cassinfo.com | ©2026 Cass Information Systems | Transportation information systems provides freight audit and payment services for all transportation modes and movement types, including parcel and last mile Facilities expense management provides invoice management, payment and business intelligence for all facility related expenses, from traditional utilities through MRO CassPay provides complex treasury management and payment services for fintech and other payment companies CASS Information Systems / Payments Annual payments volume $94 BILLION Annual invoice volume 51 MILLION TTM fee revenue $106 MILLION YTD average payment float $1.2 BILLION Note: Balance sheet metrics as of March 31, 2026. Income statement metrics are through period ended March 31, 2026 as indicated 5

www.cassinfo.com | ©2026 Cass Information Systems | Cass Information Systems is that supports a company’s global business while tightly protecting its assets As a publicly held, financial holding company, Cass is regulated by the SEC, Federal Reserve, and the Dutch Central Bank A major payments company View our ESG report $37 billion Freight $24 billion Facilities $33 billion FinTech/Banking $94 billion 34 million freight 17 million facilities 51 million 15,000 freight 36,000 facilities 51,000 Activity in 185 COUNTRIES supported from THE U.S. & AROUND THE WORLD St. Louis, MO Columbus, OH Wellington, KS Jacksonville, FL Breda, The Netherlands Singapore Sao Paulo, Brazil BY 1000+ EMPLOYEES DOLLARS PAID INVOICES PROCESSED VENDORS PAID 6

www.cassinfo.com | ©2026 Cass Information Systems | Cass Commercial Bank Total Assets $1.3 BILLION Total Deposits $1.1 BILLION Charge-offs $0 Total Loans $1.1 BILLION Note: Balance sheet metrics as of March 31, 2026. Income statement metrics are through period ended March 31, 2026 as indicated Cass Commercial Bank operates in five primary niches: St. Louis Commercial and Industrial market QSR Franchisees Faith-Based organizations across the U.S. Not-for-Profit organizations Equipment Finance Strong track record of asset quality No charge-offs Proven performance through economic cycles 5-Star Rated Bank 7

www.cassinfo.com | ©2026 Cass Information Systems | What We Do Cass helps the world’s largest companies manage their facilities and transportation costs. By processing and paying client invoices, we help companies: • Gain crucial financial support for large, difficult-to-manage spend categories • Offload and automate difficult, repetitive, time-consuming processes • Control and reduce costs by identifying overcharges, duplicate invoices, other errors • Aggregate and normalize reporting for hundreds/thousands of vendors • Minimize late payments and service interruptions • Obtain detailed, actionable data enabling complete visibility to spend and usage • Maximize cash flow with on-time or extended payment terms • Enforce vendor compliance • Gain audit-ready sustainability reporting 8

www.cassinfo.com | ©2026 Cass Information Systems | How We Do It The Value Proposition of What We Do for Clients Which results in: • High quality data which drives informed decisions, superior procurement results, and precise financial reporting • Audits, data visibility, and process improvements driving considerable cost savings • Improved working capital, both for our clients and their vendors, through the use of Cass’s balance sheet • Improved vendor relationships • Improved focus on data & decisions, not invoices Why We Do It 9 Our AI, Technology and Industry Expert Human Resources Delivered through: • Significant investments in AI/ML solutions to accelerate invoice and document processing, as well as ingesting client generated purchase orders or TMS records • Industry experts supporting client needs and understanding vendor complexities across industries like retail, manufacturing, distribution, financial services and QSRs • Cass Commercial Bank and the deep understanding of corporate treasury management needs with accrual and GL file integrations • Payment fraud mitigation, including vendor remittance controls, data security and funding requests

www.cassinfo.com | ©2026 Cass Information Systems | Document ingestion and data processing Cass uses modern AI coding tools to implement a data processing architecture that exists first and foremost to preserve auditability, scalability and consistency in outcomes. To function effectively at enterprise scale, we believe AI delivers the most value when used to build and maintain deterministic processes and ML models, executes exception management only at the field or data element level, and supports the creation of UI/UX for human in the loop activity. We have built applications, in this architecture, to support document and data processing for Freight and Facilities. Client onboarding Utilizing our AI native internal knowledge base, we implement clients with industry and mode or service type best practices, including G/L and cost attribution rules. As the only Freight Audit and Payment company that supports all modes, movement types and geographies, our AI enabled tools steer clients away from costly internal processes. Client and vendor inbound communications Assessed by AI and routed for resolution either to an AI agent or a client account manager, both supported by historical and client/vendor specific data. Invoices or contracts are routed to specific channels while questions, exceptions and suggestions are resolved. Audit resolution Workflow supported by AI utilizing our contract management platform as the primary data source. Artificial Intelligence (AI) Usage at Cass 10 Technology implementation is driving near-term efficiency gains and a meaningfully improved client experience.

www.cassinfo.com | ©2026 Cass Information Systems | Advantages of Having a Commercial Bank / Balance Sheet 11 CASS Commercial Bank Monetization of Payment Flows • Earn yields on payment float held on Cass balance sheet • Depository structure creates incremental revenue stream Structural Cost Advantage • Direct access to payment rails eliminates third-party costs • Near-zero marginal cost on incremental ACH transactions Control, Retention, and Sales Advantage • Retain full economics without reliance on third-party financial partners • Reduce pricing and renegotiation risk across cycles • Bank holding company status enhances credibility and supports client acquisition Credit + Client Value Creation • Provide vendor financing at lower cost than traditional alternatives • Enhance client liquidity and balance sheet positioning • Support finance, treasury, and logistics functions through integrated data and workflows

www.cassinfo.com | ©2026 Cass Information Systems | Our Clients Stay With Us Long-Term 12 Operational FootprintClient retention is driven by deep operational integration and a fully integrated platform spanning payments, audit, and data. Together, these capabilities create meaningful switching costs and durable, long-term relationships. • Deeply embedded in client workflows through vendor onboarding, ongoing support, and seamless system integrations across TMS and ERP environments • End-to-end vendor onboarding and contract audit ensuring invoices are validated against contract terms and aligned with client obligations • Real-time data visibility and benchmarking enabled by a growing library of dashboards and third-party data integrations • Scalable support across transportation and facilities including freight audit, facility onboarding, and value-added services such as document retrieval and energy management • Integrated platform spanning payments, audit, and balance sheet delivering a unified solution across payment services, supply chain workflows, and multi-regional operations Invoice Audit Contract Validation & Accuracy Vendor Onboarding Contracts & Vendor Set up Payment Services Freight & Facility Payments Data & Reporting Dashboards & Benchmarking Bill Management Facility Bills & Document Retrieval Global Support Multi-region Support

www.cassinfo.com | ©2026 Cass Information Systems | Resource expertise • Secure payments • Working capital management • CassPort and data visualization dashboards • Benchmarking • Custom BI • Automation • System integration • Shipment rating and audit of all modes • GL and accrual reporting We Deliver Best Practices Globally 14 Cass provides a unified platform to manage global freight across modes, including last mile, parcel, and ocean. The solution enables improved working capital through optimized carrier payment terms while delivering real-time data and decision intelligence to drive more effective procurement outcomes. CASS Currently Supports Companies in 185 Different Countries

www.cassinfo.com | ©2026 Cass Information Systems | Cass Freight Index® – Trusted Insights The Cass Freight Index® has been a trusted measure of the North American freight market since 1995. Our monthly data and the Cass Transportation Index Report provide valuable insight into freight trends as they relate to other economic and supply chain indicators and the overall economy. 15

www.cassinfo.com | ©2026 Cass Information Systems | The Decision Intelligence Suite CassPort Analytics Monitor and understand transportation spend Cass Benchmarking Compare rates for truckload, LTL, intermodal, and rail to other Cass clients Cass + SONAR SCI Layer truckload data with real-time market conditions for optimal spend and service management 16

www.cassinfo.com | ©2026 Cass Information Systems | We Deliver Utility Bill Solutions Across All Facilities Services, Including MRO Importance Facilities payments are one of a company’s top operating expenses Outages can have a material financial impact on a business Reporting requirements for greenhouse gas (GHG) emissions are increasing Invoice Challenges Hundreds to thousands of bills from many vendors Different formats with non- standardized data fields Received at various times throughout the month, quarter, or year With and without purchase order matching Value Proposition Simplify the complex world of facility costs by paying our client’s facility-related bills accurately and on time, to minimize service interruptions, while simultaneously providing them with timely and accurate data from the bills to support analytics and decision making 18

www.cassinfo.com | ©2026 Cass Information Systems | We Have Expertise In All Facilities Service Types & Industry Segments Simplifying the complexities of managing recurring, typically non-PO invoices related to physical infrastructure across all service types Paying vendors accurately and on time, which minimizes exceptions, late fees and service interruptions Delivering normalized and detailed data and reporting on all consumption and spend Validating usage and pricing, audited to a contract if one is provided Configurable and tailored to the business needs of our clients Invoice Processing Bill Payment Invoice Audit Reporting & Analytics 19

www.cassinfo.com | ©2026 Cass Information Systems | We Deliver Reporting for Utility Usage, Including Sustainability & Diversion Data We partner with a company’s energy management, procurement and reporting providers to allow for the selection of best- of-breed solutions, resulting in a high quality and complete facilities management solution Sustainability reporting delivered to a company’s ERP and sustainability & carbon platforms, regardless if they are internal or externally provided Precise data management delivers audit trail ready results 20

www.cassinfo.com | ©2026 Cass Information Systems | TouchPoint is All-in-One Church Management Software • Significant growth potential into target market of 35,000 churches with average weekly attendance of 350+ • Processes over $200 million in annual giving for these churches. Working on additional giving penetration into TouchPoint and Cass Commercial Bank clients. • Synergistic with faith-based clients at Cass Commercial Bank and ability to position Cass as a provider of church financial needs as well as church management software and giving processing needs. 22 • Acquired by Cass in 2022 with 300+ clients across the United States • Enterprise software enabling churches to manage membership, giving, communications, volunteerism, etc.

www.cassinfo.com | ©2026 Cass Information Systems | Cass Commercial Bank is a 5-Star Rated Bank for its Financial Soundness 24 Commercial & Industrial Serving privately held businesses in St. Louis metropolitan area Long-standing relationships with clients, many spanning decades Equipment finance solutions for transportation and related industries Purchaser of investment-grade leases in the secondary market Founded in St. Louis, MO in 1906 Conservative management with more than 10 years with no charge-offs, reflecting prudent risk practices Specialized banking focused on faith-based institutions, not-for- profit’s, QSR franchises, equipment financing, and C&I lending Exclusively Engaged in Commercial Banking with only 3 strategically located branches that do not serve retail customers Faith-Based & Non-Profit Purpose-driven financing for places of worship and Non-Profit Entities Specializes in funding the construction, expansion, and renovation of facilities Proven underwriting methodology resulting in limited charge-offs over 30+ years Depository services designed for Faith- Based and Non-Profits Quick Service Restaurants Focused expertise in QSR Franchise opportunities Approved McDonald’s franchise lender Financing solutions for acquisitions, new construction, major remodels, and equipment purchases 15+ year history with $0 charge-offs in the portfolio

www.cassinfo.com | ©2026 Cass Information Systems | Faith-Based Institutions Long-standing reputation with faith- based community Strong relationships have resulted in a self-funded loan portfolio Ongoing efforts to cross-sell banking services into the TouchPoint client base TouchPoint is a church management software platform CassPay CassPay supports large fintech clients with complex payables infrastructure CassPay facilitates: • Debit and Credit ACH • Wire Transfers • Drawdowns • Image Cash Letters • Credit Cards These relationships generate approximately $250 million in average deposits C&I and Not-for-Profits Focused on privately held businesses and not-for-profit organizations in the St. Louis metro area Many client relationships span decades Provides sophisticated financial solutions to C&I clients and tailored banking solutions for not-for-profits The Bank Generates Deposits Through Three Primary Channels 25

www.cassinfo.com | ©2026 Cass Information Systems | • Record net income and diluted earnings per share of $35.1 million and $2.61, respectively. • Return on average equity and assets of 14.98% and 1.43%, respectively. • Increase in net interest income of $13.5 million, or 19.8%. • Increase in facility dollar volumes of 14.7%. • Increase in average accounts and drafts payable of 14.9%. • Salaries and commissions increase limited to 0.4% as a result of a decline in average FTEs of 5.4%. • Repurchased 617,415 shares of Company common stock at a weighted average price of $41.59. Full Year 2025 Financial Highlights 27

www.cassinfo.com | ©2026 Cass Information Systems | FY’25 Financial Summary 28 $190.8M (+5.3% Y/Y) $2.61 (+87.8% Y/Y) 3.83% (+41bps Y/Y) $35.1M (+83.2% Y/Y) Processing Fees 35% Financial Fees 21% Net Interest Income 43% Other 1% Revenue Mix Net-Interest MarginTotal Revenue Net Income Diluted EPS 14.98% (+661bps Y/Y) 1.43% (+61bps Y/Y) ROAROE Payment Float 53% Non-Interest Bearing Deposits 19% Interest- Bearing Deposits 28% Funding Mix (FY25 Average)

www.cassinfo.com | ©2026 Cass Information Systems | Net Interest Income (Continued) The Company’s net interest margin has historically trended above the average 5-year UST. With the rise in long- term bond yields over the last 3-4 years, the yields on many of the Company’s fixed rate loans and investment securities are below current market interest rates. If mid and longer-term bond yields remain at or close to current levels, as the Company’s interest-earning assets mature and re-price to current market rates over the coming quarters and years, the Company’s NIM should benefit, thereby increasing net interest income. 29

www.cassinfo.com | ©2026 Cass Information Systems | Prudent Stewards of Capital SHAREHOLDER RETURNS The company remains a consistent dividend payer and grower, paying regularly scheduled cash dividends since 1934. In addition, the Company repurchased 64,802 shares of common stock during the current quarter, resulting in a total cash return to shareholders of $7.0 million. The Company anticipates further repurchases in coming quarters with an overall objective of maintaining a leverage ratio of approximately 10%. Future levels of repurchases will depend on market conditions, earnings, balance sheet growth and potential acquisition opportunities. 30 $15.4M $15.4M $16.0M $16.5M $16.5M $31.0M $5.3M $5.8M $7.2M $26.0M FY'21 FY'22 FY'23 FY'24 FY'25 Dividends Share Buybacks Tier 1 leverage ratio at 3/31/26 10.05% Common equity tier 1 risk-based ratio at 3/31/26 14.80% Tier 1 risk-based ratio at 3/31/26 14.80% Total risk-based ratio at 3/31/26 15.63% $42.5M $23.7M $21.7M$20.7M $46.4M

www.cassinfo.com | ©2026 Cass Information Systems | Compelling Opportunities for Future Value Creation Driving efficiency and improved results in data ingestion and client relations functions through AI Net interest income and margin growth as fixed rate interest-earning assets reprice in higher interest rate environment Opportunity to grow payment float and processing fees on Facility side given compelling value proposition to large companies Development of full product suite in Transportation with respect to freight audit and payment and supply chain finance provides us with a competitive advantage Highly efficient Bank with growth opportunities in all niche business lines Strong capital levels support growth initiatives and/or return to shareholders 31

www.cassinfo.com | ©2026 Cass Information Systems | Use of Non-GAAP Financial Measures Certain of the financial measures and ratios the Company presents, including “adjusted net income from continuing operations,” and “adjusted diluted earnings per share from continuing operations,” are supplemental measures that are not required by, or are not presented in accordance with, U.S. generally accepted accounting principles (GAAP). The Company refers to these financial measures and ratios as “non-GAAP financial measures.” The Company considers the use of select non-GAAP financial measures and ratios to be useful for financial and operational decision making and useful in evaluating period-to-period comparisons. The Company believes that these non-GAAP financial measures provide meaningful supplemental information regarding our performance by excluding certain expenditures or assets that the Company believes are not indicative of our primary business operating results or by presenting certain metrics on a fully taxable equivalent basis. The Company believes that management and investors benefit from referring to these non-GAAP financial measures in assessing the Company’s performance and when planning, forecasting, analyzing and comparing past, present and future periods. These non-GAAP financial measures should not be considered a substitute for financial information presented in accordance with GAAP and you should not rely on non-GAAP financial measures alone as measures of the Company’s performance. The non-GAAP financial measures the Company presents may differ from non-GAAP financial measures used by the Company’s peers or other companies. The Company compensates for these differences by providing the equivalent GAAP measures whenever the Company presents the non-GAAP financial measures and by including a reconciliation of the impact of the components adjusted for in the non-GAAP financial measure so that both measures and the individual components may be considered when analyzing the Company’s performance. A reconciliation of non-GAAP financial measures to the comparable GAAP financial measures is included at the end of the financial statement tables. 32

www.cassinfo.com | ©2026 Cass Information Systems | Reconciliation of GAAP to Non-GAAP Financial Information 35 12/31/25 9/30/25 6/30/25 3/31/25 12/31/24 12/31/25 12/31/24 Net income from continuing operations (GAAP) 8,189$ 9,212$ 5,160$ 8,551$ 4,158$ 31,112$ 18,558$ Adjustments: (Gain) loss on sale of investment securities (38) (4) 3,558 18 33 3,534 46 Bad debt (recovery) expense - - - (2,000) - (2,000) 7,847 Late fees on facility transactions - - - - - - 1,300 Pension termination expense - - - - 3,458 - 3,458 Restucturing charge 1,131 - - - - 1,131 - Tax effect (272) 1 (884) 493 (868) (662) (3,144) 9,010$ 9,209$ 7,834$ 7,062$ 6,781$ 33,115$ 28,065$ 0.62$ 0.69$ 0.38$ 0.63$ 0.30$ 2.31$ 1.35$ 0.68$ 0.69$ 0.58$ 0.52$ 0.49$ 2.46$ 2.04$ Adjusted diluted earnings per share from continuing operations (non-GAAP) Diluted earnings per share from continuing operations (GAAP) Adjusted net income from continuing operations (non-GAAP) Year EndedThree Months Ended

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www.cassinfo.com | ©2026 Cass Information Systems | • Net income and diluted earnings per share of $8.8 million and $0.67, respectively. • Adjusted net income and adjusted diluted earnings per share from continuing operations of $8.7 million and $0.66, increases of 23.7% and 26.9% compared to 1Q2025. • Increase in net interest margin to 3.95%, compared to 3.75% in 1Q2025 • Increase in facility dollar volumes of 7.4%, compared to 1Q2025. • Personnel expense levels flat compared to 1Q2025 as a result of ongoing automation and efficiency initiatives. • Continued strong asset quality with no loan charge-offs and an allowance for credit losses to loans ratio of 1.27%. In addition, reduced nonperforming loans by $3.9 million, or 55.1%, compared to December 31, 2025. • Repurchased 64,802 shares of Company stock at a weighted average price of $44.34. Q1 2026 Financial Highlights 3

www.cassinfo.com | ©2026 Cass Information Systems | Core Earnings Metrics $7.1M $8.7M Q1'25 Q1'26 $0.52 $0.66 Q1'25 Q1'26 ADJUSTED NET INCOME FROM CONTINUING OPERATIONS (1) ADJUSTED DILUTED EPS FROM CONTINUING OPERATIONS (1) (1) Refer to explanation of use of non-GAAP financial measures and reconciliation of adjusted net income from continuing operations and adjusted diluted earnings per share from continuing operations as presented later in this presentation. $9.0M $8.8M Q1'25 Q1'26 NET INCOME $0.66 $0.67 Q1'25 Q1'26 DILUTED EPS 4

www.cassinfo.com | ©2026 Cass Information Systems | The change in processing fees quarter to quarter is generally correlated to transportation and facility invoice volumes. Processing fees declined 4.5% as compared to 1Q 2025 due to lower transportation and facility transaction volumes. Transportation volumes remain lower as detailed in the Cass Freight Index®. The Company expects facility invoice volumes to increase over prior year quarters in 4Q 2026 as new clients are onboarded. 8.36M 8.10M Q1'25 Q1'26 4.23M 4.04M Q1'25 Q1'26 $16.5M $15.7M Q1'25 Q1'26 Processing Fees and Transaction Volumes TRANSPORTATION INVOICE VOLUMES FACILITY INVOICE VOLUMES PROCESSING FEES 5

www.cassinfo.com | ©2026 Cass Information Systems | $1.07B $1.17B Q1'25 Q1'26 Transportation dollar volumes increased 4.5% over 1Q 2025, due to the average dollars per transaction increasing 7.8%, partially offset by transaction volumes declining 3.1%. The average dollars per transaction increased due to increasing freight rates, as well as the impact of tariffs. Facility dollar volumes increased 7.4% over 1Q 2025 due to the average dollars per transaction increasing 12.4%, partially offset by transaction volumes declining 4.4%. The average dollars per transaction increased primarily due to rising energy prices. As a result of rising freight rates and energy prices, average accounts and drafts payable increased $100.1 million, or 9.3%, as compared to 1Q 2025, which positively impacts interest income as these funds are invested in cash and investment securities. Dollar Volumes and Accounts and Drafts Payable $8.64B $9.03B $1,034 $1,115 900 1000 1100 1200 1300 1400 1500 Q1'25 Q1'26 $5.82B $6.25B $1,378 $1,549 900 1100 1300 1500 1700 1900 Q1'25 Q1'26 TRANSPORTATION DOLLAR VOLUMES & $/INVOICE FACILITY DOLLAR VOLUMES & $/INVOICE 6 AVERAGE ACCOUNTS & DRAFTS PAYABLE

www.cassinfo.com | ©2026 Cass Information Systems | Financial fees increased $470,000, or 4.7%, from 1Q 2025. The Company experienced an increase in demand for its quick solutions to freight carriers during the quarter and continues to focus on strategies intended to increase overall adoption of its Amplify solution to carriers. Average payments in advance of funding increased $3.4 million, or 2.0% from 1Q 2025. The increase was primarily driven by the 4.5% increase in transportation dollar volumes. The percentage of transportation paid dollars advanced to freight carriers increased 46 basis points from 1Q 2025. The increase was driven by a recent higher level of demand for the Company's quick pay solutions due to adoption strategies and market conditions. Financial Fees and Payments in Advance of Funding $173.6M $177.0M Q1'25 Q1'26 $10.0M $10.4M Q1'25 Q1'26 AVERAGE PAYMENTS IN ADVANCE OF FUNDINGFINANCIAL FEES 7 6.68% 7.14% Q1'25 Q1'26 PERCENTAGE OF TRANSPORTATION PAID DOLLARS ADVANCED

www.cassinfo.com | ©2026 Cass Information Systems | Net interest income increased $1.9 million, or 10.1%, from 1Q 2025 driven by a higher net interest margin (NIM) and an increase in average interest-earning assets of $110.2 million, or 5.2%. The NIM improved 20 basis points from 1Q 2025 to 3.95% largely driven by increases in the average yield on loans and investment securities of 20 and 83 basis points, respectively, combined with a decline in the average cost of total deposits of 15 basis points. The Company generally benefits from a higher interest rate environment due to a large percentage of its funding sources being non-interest bearing. Net Interest Income / Margin NET INTEREST INCOME AVERAGE INTEREST-EARNING ASSETS NET INTEREST MARGIN $19.3M $21.2M Q1'25 Q1'26 $2.10B $2.21B Q1'25 Q1'26 3.75% 3.95% Q1'25 Q1'26 8

www.cassinfo.com | ©2026 Cass Information Systems | Loans increased $27.5 million, or 2.6%, as compared to December 31, 2025, driven by increases in C&I and equipment leases. The Company expects to achieve overall loan growth of 6-8% during full year 2026. The Company’s loan yield improved to 5.81% during 1Q 2026 as compared to 5.61% during 1Q 2025. The loan yield for 1Q 2026 was positively impacted by 7 basis points as a result of the full payoff of a non-performing loan. Loans and Loan Yield 9 Portfolio Composition 3/31/25 6/30/25 9/30/25 12/31/25 3/31/26 Franchise $258.5 $260.3 $249.9 $235.7 $233.1 Faith-Based 403.5 410.9 407.1 397.6 396.8 Leases 124.3 111.7 123.6 119.2 123.9 Other C&I 229.5 211.6 196.3 198.2 220.9 Other CRE 126.0 122.5 111.5 110.5 114.1 Ending Loans $1,141.8 $1,117.0 $1,088.3 $1,061.2 $1,088.7 Loan Yield 5.61% 5.64% 5.66% 5.69% 5.81% ACL/Loans 1.25% 1.28% 1.29% 1.28% 1.27% Net Charge-Offs - - - - - Non-Performing Loans/Loans - 0.30% 0.65% 0.66% 0.29% Franchise 21% Faith-Based 37% Leases 11% Other C&I 20% Other CRE 11% PORTFOLIO COMPOSITION (3/31/26) ($$ in millions)

www.cassinfo.com | ©2026 Cass Information Systems | Average deposits increased $36.6 million, or 3.5% as compared to 1Q 2025. Average total deposit cost declined 15 basis points to 1.47% during 1Q2026 driven by the reduction in short-term interest rates when comparing the periods. The Company is primarily focused on strategies to achieve high single digit growth in CassPay deposits on an annual basis. Deposits and Deposit Cost 10 AVERAGE DEPOSITS AVERAGE TOTAL DEPOSIT COST $1.03B $1.07B Q1'25 Q1'26 1.62% 1.47% Q1'25 Q1'26 AVERAGE DEPOSITS (3/31/26) Faith-Based 30% CassPay 26% Other 44%

www.cassinfo.com | ©2026 Cass Information Systems | Loans & Securities (book value) Repricing or Maturity 11 1 Year > 1 to 3 >3 to 5 > 5 Floating Fixed or Less Years Years Years Total Rate Rate Commercial and Industrial: Franchise 20,601 28,915 12,604 170,968 233,088 20,592 212,496 Leases 3,547 49,789 49,934 21,161 124,431 - 124,431 Other 106,278 39,457 57,723 16,896 220,354 84,587 135,767 Total C&I 130,426 118,161 120,261 209,025 577,873 105,179 472,694 Real Estate: Faith-based CRE 117,342 98,563 109,229 71,616 396,750 29,210 367,540 Commercial 47,208 36,225 26,732 1,926 112,091 30,163 81,928 Other - 51 - 1,965 2,016 - 2,016 Total real estate 164,550 134,839 135,961 75,507 510,857 59,373 451,484 Total loans 294,976 253,000 256,222 284,532 1,088,730 164,552 924,178 % of total 27% 23% 24% 26% 100% 15% 85% Weighted-average coupon rate 5.66% 5.20% 5.79% 5.75% 1 Year > 1 to 3 >3 to 5 > 5 Floating Fixed or Less Years Years Years Total Rate Rate Mortgage-backed 73,292 125,635 96,152 240,413 535,492 - 535,492 State and political 36,774 15,465 66,225 117,934 236,398 - 236,398 Corporate 3,000 6,240 21,591 - 30,831 5,950 24,881 Asset-backed 3,658 6,083 4,538 8,035 22,314 22,314 - Total investment securities 116,724 153,423 188,506 366,382 825,035 28,264 796,771 % of total 14% 19% 23% 44% 100% 3% 97% Total Loans at March 31, 2026 Repricing or Maturity Term Rate Structure Total Investment Securities (Book Value) at March 31, 2026 Maturity and Projected Principal Cash Flow Rate Structure

www.cassinfo.com | ©2026 Cass Information Systems | $27.3M $27.8M $27.6M $27.4M $27.3M Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 $35.5M $38.2M Q1'25 Q1'26 $37.5M $38.2M Q1'25 Q1'26 Total operating expenses were $38.2 million as compared to $35.5 million in 1Q2025. Operating expense for 1Q2025 includes a $2.0 million recovery of bad debt. Excluding the impact of this item, adjusted total operating expense was up 1.8% as compared to $37.5 million during 1Q2025. Personnel expenses were flat as compared to 1Q 2025. The Company’s consolidation within its Facilities division and continued expanded utilization of AI-enabled systems resulted in a 7.9% decline in average FTEs from 1Q2025 to 1Q2026. The Company believes it can keep adjusted total operating expense levels to 2.0% or less for the remaining quarters in 2026. Expenses PERSONNEL EXPENSES 12 ADJUSTED OPERATING EXPENSES(1)TOTAL OPERATING EXPENSES (1) Refer to explanation of use of non-GAAP financial measures and reconciliation of adjusted net income from continuing operations and adjusted diluted earnings per share from continuing operations as presented later in this presentation. AVERAGE FTEs 1,002 985 958 939 923 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Y/Y CHANGE IN FTEs

www.cassinfo.com | ©2026 Cass Information Systems | Prudent Stewards of Capital SHAREHOLDER RETURNS The company remains a consistent dividend payer and grower, paying regularly scheduled cash dividends since 1934. In addition, the Company repurchased 64,802 shares of common stock during the current quarter, resulting in a total cash return to shareholders of $7.0 million. The Company anticipates further repurchases in coming quarters with an overall objective of maintaining a leverage ratio of approximately 10%. Future levels of repurchases will depend on market conditions, earnings, balance sheet growth and potential acquisition opportunities. 13 $4.2M $4.1M $4.1M $4.1M $4.1M $5.1M $5.9M $6.7M $8.3M $2.9M Q1 '25 Q2 '25 Q3 '25 Q4 '25 Q1'26 Dividends Share Buybacks Tier 1 leverage ratio at 3/31/26 10.05% Common equity tier 1 risk-based ratio at 3/31/26 14.80% Tier 1 risk-based ratio at 3/31/26 14.80% Total risk-based ratio at 3/31/26 15.63% $12.4M $10.8M $10.0M $9.3M $7.0M

www.cassinfo.com | ©2026 Cass Information Systems | Compelling Opportunities for Future Value Creation Driving efficiency and improved results in data ingestion and client relations functions through AI Net interest income and margin growth as freight rates and energy prices rise and fixed rate interest-earning assets reprice in higher interest rate environment Opportunity to grow payment float and processing fees on Facility side given compelling value proposition to large companies Development of full product suite in Transportation with respect to freight audit and payment and supply chain finance provides a competitive advantage Highly efficient Bank with growth opportunities in all niche business lines Strong capital levels support growth initiatives and/or return to shareholders 14

www.cassinfo.com | ©2026 Cass Information Systems | Use of Non-GAAP Financial Measures Certain of the financial measures and ratios the Company presents, including “adjusted net income from continuing operations,” “adjusted diluted earnings per share from continuing operations,” and “adjusted total operating expense from continuing operations,” are supplemental measures that are not required by, or are not presented in accordance with, U.S. generally accepted accounting principles (GAAP). The Company refers to these financial measures and ratios as “non-GAAP financial measures.” The Company considers the use of select non-GAAP financial measures and ratios to be useful for financial and operational decision making and useful in evaluating period-to-period comparisons. The Company believes that these non-GAAP financial measures provide meaningful supplemental information regarding our performance by excluding certain expenditures or assets that the Company believes are not indicative of our primary business operating results or by presenting certain metrics on a fully taxable equivalent basis. The Company believes that management and investors benefit from referring to these non-GAAP financial measures in assessing the Company’s performance and when planning, forecasting, analyzing and comparing past, present and future periods. These non-GAAP financial measures should not be considered a substitute for financial information presented in accordance with GAAP and you should not rely on non-GAAP financial measures alone as measures of the Company’s performance. The non-GAAP financial measures the Company presents may differ from non-GAAP financial measures used by the Company’s peers or other companies. The Company compensates for these differences by providing the equivalent GAAP measures whenever the Company presents the non-GAAP financial measures and by including a reconciliation of the impact of the components adjusted for in the non-GAAP financial measure so that both measures and the individual components may be considered when analyzing the Company’s performance. A reconciliation of non-GAAP financial measures to the comparable GAAP financial measures is included at the end of the financial statement tables. 16

www.cassinfo.com | ©2026 Cass Information Systems | Reconciliation of GAAP to Non-GAAP Financial Information 17 03/31/26 12/31/25 09/30/25 06/30/25 03/31/25 Net income from continuing operations (GAAP) $ 8,739 $ 8,189 $ 9,212 $ 5,160 $ 8,551 Adjustments: (Gain) loss on sale of investment securities (5) (38) (4) 3,558 18 Bad debt (recovery) expense - - - - (2,000) Restructuring expense - 1,131 - - - Tax effect 1 (272) 1 (884) 493 Adjusted net income from continuing operations (Non- GAAP) $ 8,735 $ 9,010 $ 9,209 $ 7,834 $ 7,062 Diluted earnings per share from continuing operations (GAAP) $ 0.66 $ 0.62 $ 0.69 $ 0.38 $ 0.63 Adjusted diluted earnings per share from continuing operations (Non-GAAP) $ 0.66 $ 0.68 $ 0.69 $ 0.58 $ 0.52 Three Months Ended

www.cassinfo.com | ©2026 Cass Information Systems | Reconciliation of GAAP to Non-GAAP Financial Information (continued) 18 03/31/26 12/31/25 09/30/25 06/30/25 03/31/25 Total operating expense from continuing operations (GAAP) $ 38,218 $ 39,901 $ 38,441 $ 38,119 $ 35,530 Adjustments: Bad debt recovery - - - - 2,000 Restructuring expense - (1,131) - - - Adjusted total operating expense from continuing operations (Non-GAAP) $ 38,218 $ 38,770 $ 38,441 $ 38,119 $ 37,530 Three Months Ended

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Cass Information Systems, Inc. Announces Appointment of John Drabik to Board of Directors and Retirements of Sally Roth, Ralph Clermont and Jim Lindemann April 22, 2026 ST. LOUIS, April 22, 2026 (GLOBE NEWSWIRE) -- Cass Information Systems, Inc. (NASDAQ: CASS) (the “Company”), a leading provider of payment processing and information solutions, today announced changes to its Board of Directors, effective April 21, 2026. John J. Drabik was elected as a member of the Board and also appointed to serve on the Company’s Audit and Risk Committee. Mr. Drabik is Executive Vice President and Chief Financial Officer of Energizer Holdings, Inc., where he oversees global finance, accounting, investor relations and information technology. He has been with Energizer and its predecessor organization since 2001 and has held senior leadership roles across corporate development, treasury, and accounting, including playing a key role in the company’s spin-off and its growth as a stand-alone public company. Prior to Energizer, Mr. Drabik began his career in public accounting at Arthur Andersen and later worked in the import/export division of May Department Stores. He holds a Bachelor of Science in Accountancy from the University of Missouri and an MBA from Washington University in St. Louis. “John brings deep financial expertise and public company leadership experience that will strengthen our Board,” said Martin Resch, President and Chief Executive Officer of Cass Information Systems, Inc. “We are pleased to welcome him to Cass.” The Company also announced that Sally H. Roth, James J. Lindemann, and Ralph W. Clermont retired from the Board of Directors after not standing for re-election at the Annual Meeting of Shareholders. Sally H. Roth (Sally) served as a director since 2019. Sally’s extensive career in banking has added substantial value to the Company, not only to the Board and its’ Nominating and Corporate Governance Committee, but also through her tenure on the Executive Loan Committee of Cass Commercial Bank. Ralph W. Clermont (Ralph) served as a director since 2015. Ralph has served the Company in a variety of committee memberships since his Board appointment, including as Chairman of the Audit and Risk Committee and member of the Nominating and Corporate Governance Committee. Ralph’s strategic guidance has been invaluable to the Company during his directorship. James L. Lindemann (Jim) served as a director since 2007. Jim’s distinguished career at Emerson Electric allowed him to bring valuable perspective to the Company from both strategic and governance standpoints. Jim served as Chairman of the Company’s Compensation Committee, providing valuable guidance on the compensation plans, policies and overall programs of the Company. “We are grateful for the many contributions and years of service Sally, Ralph, and Jim have made to Cass,” said Eric H. Brunngraber, Chairman of the Board. “Their contributions have meaningfully influenced the Company, and we are grateful for their leadership and commitment.” About Cass Information Systems Cass Information Systems, Inc. is a leading provider of integrated information and payment management solutions. Cass enables enterprises to achieve visibility, control, and efficiency across their supply chains, communications networks, facilities, and other operations. Disbursing over $94 billion annually on behalf of its clients, and with total assets of $2.5 billion, Cass is uniquely supported by Cass Commercial Bank. Founded in 1906 and a wholly owned subsidiary, Cass Commercial Bank provides sophisticated financial exchange services to the parent organization and its clients. Cass is part of the Russell 2000®. More information is available at www.cassinfo.com. Contact Michael Normile, EVP and CFO ir@cassinfo.com A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/6728d529- bc18-4769-ba17-157f126557c2

John Drabik John Drabik, Director Cass Information Systems Cass Information Systems

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v3.26.1

Cover

Apr. 21, 2026

Cover [Abstract]

Document Type

8-K

Document Period End Date

Apr. 21, 2026

Entity Registrant Name

CASS INFORMATION SYSTEMS, INC.

Entity Incorporation, State or Country Code

Entity File Number

000-20827

Entity Tax Identification Number

43-1265338

Entity Address, Address Line One

12444 Powerscourt Drive

Entity Address, Address Line Two

Suite 550

Entity Address, City or Town

St. Louis

Entity Address, State or Province

Entity Address, Postal Zip Code

63131

City Area Code

314

Local Phone Number

506-5500

Written Communications

false

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false

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false

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Title of 12(b) Security

Common Stock, par value $0.50 per share

Trading Symbol

CASS

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

Entity Central Index Key

0000708781

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