Capital Requirements and Regulatory Restrictions (Tables)

12 Months Ended

Dec. 31, 2025

The Company’s and the Bank’s actual and required capital amounts and ratios are as follows:


	Actual				Capital Requirements				Requirement to be Well-Capitalized
(In thousands)	Amount		Ratio		Amount		Ratio		Amount	Ratio
At December 31, 2025
Total capital (to risk-weighted assets)
Cass Information Systems, Inc.	$	262,792	15.95	%	$	131,837	8.00	%	$ N/A	N/A %
Cass Commercial Bank	217,409		19.61		88,677		8.00		110,847	10.00
Common Equity Tier I Capital (to risk-weighted assets)
Cass Information Systems, Inc.	248,776		15.10		74,158		4.50		N/A	N/A
Cass Commercial Bank	203,943		18.40		49,881		4.50		72,050	6.50
Tier I capital (to risk-weighted assets)
Cass Information Systems, Inc.	248,776		15.10		98,878		6.00		N/A	N/A
Cass Commercial Bank	203,943		18.40		66,508		6.00		88,677	8.00
Tier I capital (to average assets)
Cass Information Systems, Inc.	248,776		9.91		100,367		4.00		N/A	N/A
Cass Commercial Bank	203,943		14.48		56,357		4.00		70,446	5.00
At December 31, 2024
Total capital (to risk-weighted assets)
Cass Information Systems, Inc.	$	261,021	14.61	%	$	142,969	8.00	%	$ N/A	N/A %
Cass Commercial Bank	207,519		17.68		93,911		8.00		117,389	10.00
Common Equity Tier I Capital (to risk-weighted assets)
Cass Information Systems, Inc.	247,354		13.84		80,420		4.50		N/A	N/A
Cass Commercial Bank	194,446		16.56		52,825		4.50		76,303	6.50
Tier I capital (to risk-weighted assets)
Cass Information Systems, Inc.	247,354		13.84		107,226		6.00		N/A	N/A
Cass Commercial Bank	194,446		16.56		70,433		6.00		93,911	8.00
Tier I capital (to average assets)
Cass Information Systems, Inc.	247,354		10.57		93,625		4.00		N/A	N/A
Cass Commercial Bank	194,446		13.50		57,620		4.00		72,026	5.00

CASS INFORMATION SYSTEMS INC 10-K