earningssupplement2026q1

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 | • 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