0000708781-26-000026 | 11-K | XBRL Viewer | Cass Information Systems INC

RISKS AND UNCERTAINTIES	12 Months Ended
Dec. 31, 2025
EBP 002
EBP, Risk and Uncertainty [Line Items]
RISKS AND UNCERTAINTIES	RISKS AND UNCERTAINTIES The Plan invests in various investment securities. Investment securities are exposed to various risks such as interest rate, market, and credit risks. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect participants’ account balances and the amounts reported in the statements of net assets available for benefits.

PLAN TERMINATION	12 Months Ended
Dec. 31, 2025
EBP 002
EBP, Description of Plan [Line Items]
PLAN TERMINATION	PLAN TERMINATIONAlthough it has not expressed any intent to do so, the Plan Administrator has the right under the Plan to terminate the Plan subject to the provisions set forth in ERISA. In the event of plan termination, participants become 100% vested in their accounts.

FAIR VALUE MEASUREMENTS (Tables)

12 Months Ended

Dec. 31, 2025

EBP, Investment, Fair Value and NAV [Line Items]

The following tables set forth, by level with the fair value hierarchy, the Plan’s investments at fair value as of December 31, 2025 and 2024:


2025	Quoted market prices in active market for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)		Total
Mutual funds	$	46,226,170	$	—	$	—	$	46,226,170
Employer common stock	617,038		—		—		617,038

	$	46,843,208	$	—	$	—	$	46,843,208
Measured at net asset value:
Pooled separate accounts							5,161,052
Collective trust funds							85,492,163
							$	137,496,423


2024	Quoted market prices in active market for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)		Total
Mutual funds	$	43,777,956	$	—	$	—	$	43,777,956
Employer common stock	720,645		—		—		720,645

	$	44,498,601	$	—	$	—	$	44,498,601
Measured at net asset value:
Pooled separate accounts							4,037,801
Collective trust funds							73,024,519
							$	121,560,921

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

- Definition

Tabular disclosure of fair value of investment held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)), including, but not limited to, fair value measured at net asset value per share as practical expedient (NAV).

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+ Details

FEDERAL INCOME TAXES	12 Months Ended
Dec. 31, 2025
EBP 002
EBP, Tax Status [Line Items]
FEDERAL INCOME TAXES	FEDERAL INCOME TAXES The Internal Revenue Service issued its latest opinion letter on June 30, 2020, which indicates the pre-approved plan document adopted by the Plan qualifies under the provisions of Section 401(a) and the trust is exempt from federal income taxes under the provisions of Section 501(a) of the Internal Revenue Code, as amended. While various amendments have been made to the Plan since 2020, in the opinion of the Plan Administrator, the Plan and its underlying trust have operated within the terms of the Plan and remain qualified under the applicable provisions of the Internal Revenue Code.

RELATED PARTY AND PARTY-IN-INTEREST TRANSACTIONS (Details) - EBP 002 - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Administrative expenses	$ 140,307	$ 99,911
Total investments	137,496,423	121,560,921
Dividends	$ 538,161	$ 473,846
Employer common stock
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Number of shares (in shares)	14,861	17,615
Total investments	$ 617,038	$ 720,645
Dividends	23,076	24,774
EBP, Trustee
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Administrative expenses	$ 140,307	$ 99,911

- Definition

Fair value of investment, excluding plan interest in master trust, held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)). Includes, but is not limited to, derivative, investment measured at net asset value per share as practical expedient, and insurance contract not meeting fully-benefit responsive investment criteria.

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+ Details

FAIR VALUE MEASUREMENTS - Fair Value (Details) - EBP 002 - USD ($)	Dec. 31, 2025	Dec. 31, 2024
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	$ 137,496,423	$ 121,560,921
Employer common stock
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	617,038	720,645
Pooled separate accounts
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	5,161,052	4,037,801
Collective trust funds
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	85,492,163	73,024,519
Total Level 1, 2, and 3
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	46,843,208	44,498,601
Total Level 1, 2, and 3 \| Mutual Fund
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	46,226,170	43,777,956
Total Level 1, 2, and 3 \| Employer common stock
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	617,038	720,645
Quoted market prices in active market for identical assets (Level 1)
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	46,843,208	44,498,601
Quoted market prices in active market for identical assets (Level 1) \| Mutual Fund
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	46,226,170	43,777,956
Quoted market prices in active market for identical assets (Level 1) \| Employer common stock
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	617,038	720,645
Significant other observable inputs (Level 2)
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	0	0
Significant other observable inputs (Level 2) \| Mutual Fund
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	0	0
Significant other observable inputs (Level 2) \| Employer common stock
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	0	0
Significant unobservable inputs (Level 3)
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	0	0
Significant unobservable inputs (Level 3) \| Mutual Fund
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	0	0
Significant unobservable inputs (Level 3) \| Employer common stock
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	0	0
Measured at net asset value \| Pooled separate accounts
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	5,161,052	4,037,801
Measured at net asset value \| Collective trust funds
EBP, Investment, Fair Value and NAV [Line Items]
Total investments	$ 85,492,163	$ 73,024,519

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) - EBP 002	12 Months Ended
	Dec. 31, 2025
EBP, Accounting Standard Update and Change in Accounting Principle [Line Items]
Basis of Presentation	Basis of Presentation – The accompanying financial statements have been prepared on the accrual basis of accounting and present the net assets available for benefits and changes in those assets. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires estimates and assumptions that affect the reported amounts. Actual results could differ from those estimates.
Payment of Benefits	Payments of Benefits - Benefits are recorded when paid.
Trust Fund and Investment Valuation & Income Recognition	Trust Fund – Under the terms of a trust agreement between the Principal Life Insurance Company (the Trustee) and the Company, the Trustee administers a trust fund on behalf of the Plan. Participants may elect to have a portion of their account balances invested in a variety of interests in pooled separate accounts, mutual funds, and collective trust funds investing in debt and equity instruments, and common stock of the Company. In the prior year, participants may have elected to have a portion of their account balance invested in a General Account, which was comprised of investments in guaranteed interest contracts with an insurance company.Investment Valuation and Income Recognition – Investments are reported at fair value. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, as described more fully in note 3. Purchases and sales of securities are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Net appreciation includes the Plan’s gains and losses on investments bought and sold as well as held during the year.
Note Receivable From Participants	Notes Receivable From Participants – Notes receivable from participants are reported at their unpaid principal balances plus any accrued but unpaid interest. Related fees are recorded as administrative expenses and are charged to expense when incurred. If a participant ceases to make loan repayments and the Plan Administrator deems the participant loan to be in default, the participant loan balance is reduced and a benefit is recorded in accordance with the plan document.
Subsequent Events	Subsequent Events – The Plan has evaluated subsequent events through June 29, 2026, the date the financial statements were issued.

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References + Details

Statements of Net Assets Available for Benefits - EBP 002 - USD ($)	Dec. 31, 2025	Dec. 31, 2024
Investments, at fair value:
Total investments	$ 137,496,423	$ 121,560,921
Notes receivable from participants	2,110,331	1,970,905
Contributions receivable employer	627	0
Contributions receivable participant	940	0
Net assets available for benefits	139,608,321	123,531,826
Pooled separate accounts
Investments, at fair value:
Total investments	5,161,052	4,037,801
Mutual funds
Investments, at fair value:
Total investments	46,226,170	43,777,956
Collective trust funds
Investments, at fair value:
Total investments	85,492,163	73,024,519
Employer common stock
Investments, at fair value:
Total investments	$ 617,038	$ 720,645

PLAN DESCRIPTION

12 Months Ended

Dec. 31, 2025

EBP 002

EBP, Description of Plan [Line Items]

PLAN DESCRIPTION

The following description of the Plan provides general information. Participants should refer to the plan document for a more complete description of the Plan’s provisions.

(a) Employer Contributions – The amount of employer contributions is determined by the Retirement Plan Committee (the Plan Administrator) of Cass Information Systems, Inc. ("the Company", "the employer", or "Cass"). The amount of employer contributions is also approved by executive management of the Company. For employees that are eligible to participate in the Plan, the Company provides a 3% discretionary contribution and matches 50% of the first 6% of employee contributions, subject to IRS limitations.

In December 2025, the Company, subsequent to the termination of its defined benefit plan and settlement of all remaining liabilities to its participants, transferred excess assets from its defined benefit plan of $1,196,502 to the Plan. These excess assets are expected to be used to partially fund the Company's 3% discretionary contribution during the year ended December 31, 2026 and are in pooled separate accounts on the statement of net assets available for plan benefits at December 31, 2025.

(b) Employee Contributions – Each plan participant may elect to make contributions to the Plan of 1% to 100% of the participant’s eligible compensation for such fiscal year as long as such contributions do not exceed the maximum permissible by the Internal Revenue Code. Participants may also contribute amounts representing distributions from other qualified defined contribution and defined benefit plans. In addition, participants that are age 50 or older are eligible to make pre-tax catch-up contributions not to exceed certain limits described in the Plan document. Eligible new hires are automatically enrolled for pre-tax contributions at a 6% deferral rate, with automatic annual 1% increases up to 10%, unless they elect otherwise.

On October 31, 2024, the Company terminated its defined benefit plan. At termination, participants of the defined benefit plan had the option of monthly payments, a lump sum distribution and/or rolling the benefits into any qualified plan (including the Cass 401(k) Plan). During 2024, rollover contributions associated with the terminated defined benefit plan of $6,819,079 are included in rollover contributions on the statements of changes in net assets available for benefits.

(c) Participant Eligibility – Employees (as defined by the Plan) of the Company or its wholly owned subsidiary, Cass Commercial Bank, shall be eligible to become a participant in the Plan the first of the month following the completion of one month of service and upon reaching 21 years of age. Individuals who are ineligible to participate in the Plan consist of (a) individuals who are represented by a bargaining unit that has bargained with the Company in good faith on the subject of retirement benefits; (b) Nonresident aliens with no U.S. income or all such income is exempt from U.S. income tax; (c) leased employees; and (d)

employees whose primary work location is other than a processing center maintained by the employer and whose job title includes "Offsite."

(d) Participant Accounts – Each participant’s account is credited with the participant’s contributions and allocations of the Company’s match and contributions along with plan earnings, and charged with an allocation of administrative expenses. Allocations are based on participant earnings or account balances, as defined. The benefit to which a participant is entitled is the benefit that can be provided from the participant’s vested account.

(e) Vesting – Employees are 100% vested in any portion of their account resulting from their savings contributions and any rollover contributions. Employer contributions including, but not limited to, matching additional and discretionary are subject to vesting as follows:


Years of service			Vesting percentage
Less than three			—%
Three or more			100%

If an employee terminates employment before full vesting, the nonvested portions of employer matching and discretionary contributions are used to reduce future contributions or plan administration costs of the Company. At December 31, 2025 and 2024, the forfeited nonvested accounts totaled $7,110 and $15,650, respectively. Employer contributions were reduced from forfeited nonvested accounts by $435,519 and $492,225 during 2025 and 2024, respectively.

(f) Distributions – Under the terms of the Plan, participants hired prior to January 1, 2017 reaching the age of 59 ½ are eligible to receive their balance prior to January 1, 2017. Participants hired January 1, 2017 and after reaching the age of 65 are eligible to receive the entire balance in all of the accounts maintained for such participant. Participants terminating employment prior to the attainment of age 59 ½ receive their contributions and earnings on such contributions and the employer's contributions and earnings on such contributions, if such amounts are vested. In the event of death, any vested balances in the participant’s account are paid to the designated beneficiary.

(g) Costs of Plan Administration – Fees and expenses incurred by the Company in the administration of the Plan are paid by the Company or from forfeited nonvested accounts. Expenses solely attributable to the investment of funds are paid with plan assets.

(h) Notes Receivable From Participants – Participants may borrow from their accounts a minimum of $1,000 up to a maximum equal to the lesser of $50,000 or 50% of the participant’s vested account balance, per plan provisions. The loans are secured by the balance in the participant’s account and bear interest at rates which are commensurate with

local prevailing rates as determined by the Plan Administrator. Principal and interest are paid ratably through payroll deductions.

PLAN DESCRIPTION (Details) - EBP 002	12 Months Ended
PLAN DESCRIPTION (Details) - EBP 002	Dec. 31, 2025 USD ($) yr	Dec. 31, 2024 USD ($)
EBP, Description of Plan [Line Items]
Employer contribution percentage	3.00%
Employer contribution matching percentage	50.00%
Employer contribution, participant compensation matched, percentage	6.00%
Transfer from defined benefit plan	$ 1,196,502	$ 0
Participant contribution minimum percentage of total compensation	1.00%
Participant contribution maximum percentage of total compensation	100.00%
Rollover contributions	$ 2,114,550	7,281,812
Service period	1 month
Minimum age requirement \| yr	21
Employee contribution vesting percentage	100.00%
Forfeited nonvested account	$ 7,110	15,650
Forfeited nonvested account, decrease from employer contribution	435,519	492,225
Note receivable from participant minimum borrowing amount	1,000
Note receivable from participant maximum borrowing amount	$ 50,000
Note receivable from participant maximum borrowing to account percentage	50.00%
Prior to January 1, 2027
EBP, Description of Plan [Line Items]
Distribution age \| yr	59.5
Hired January 1, 2017 and After
EBP, Description of Plan [Line Items]
Distribution age \| yr	65
Minimum
EBP, Description of Plan [Line Items]
Participant contribution deferral rate	6.00%
Participant contribution annual increase in deferral rate	1.00%
Maximum
EBP, Description of Plan [Line Items]
Participant contribution annual increase in deferral rate	10.00%
Less Than Three Years
EBP, Description of Plan [Line Items]
Employer contribution vesting percentage	0.00%
Three Or More Years
EBP, Description of Plan [Line Items]
Employer contribution vesting percentage	100.00%
Terminated Defined Benefit Plan
EBP, Description of Plan [Line Items]
Rollover contributions		$ 6,819,079

Schedule H, line 4i – Schedule of Assets (Held at End of Year)

12 Months Ended

Dec. 31, 2025

EBP 002

EBP, Schedule of Asset Held for Investment [Line Items]

Schedule H, line 4i – Schedule of Assets (Held at End of Year)

CASS INFORMATION SYSTEMS, INC.

401(k) PLAN

Employer Identification Number: 43-1265338

Plan Number: 002

Schedule H, line 4i – Schedule of Assets (Held at End of Year)

December 31, 2025

(a)

(b) Identity of issuer, borrower, lessor or similar party

(d) Cost

(e) Current value

Pooled Separate Accounts:

Principal Life Insurance Company

Core Plus Bond Account

2,355,287

Principal Life Insurance Company

U.S. Property Account

827,730

Principal Life Insurance Company

Real Estate

175,556

Principal Life Insurance Company

Principal S&P 600 Index Fund

1,802,479

Collective Trust Funds: