{"schema_version":"secwatch.filing_event.v1","accession":"0000708781-23-000002","form_type":"8-K","ticker":"CASS","cik":"0000708781","company_name":"CASS INFORMATION SYSTEMS INC","filed_at":"2023-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.823237+00:00","generated_at":"2026-06-20T13:31:55.751313+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Cass Information Systems reports record Q4 EPS $0.67, up 21.8% YoY; full-year EPS $2.53, up 26.5%","bullets":["Q4 2022 net income $9.3M (+20.6% YoY); diluted EPS $0.67 (+21.8% vs $0.55).","Full-year net income $34.9M (+22.0%); diluted EPS $2.53 (+26.5% vs $2.00).","Financial fees rose 18.1% to $1.7M; net interest margin expanded to 3.15% from 2.30%.","Average loans increased 17.3% ($154.5M); ending loans up 12.7% during 2022.","Record earnings driven by rising interest rates and organic loan growth; technology investments begun."],"urls":{"canonical":"https://secwatch.observer/filing/0000708781-23-000002","json":"https://secwatch.observer/filing/0000708781-23-000002.json","markdown":"https://secwatch.observer/filing/0000708781-23-000002.md","text":"https://secwatch.observer/filing/0000708781-23-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/708781/000070878123000002/0000708781-23-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/708781/000070878123000002/cass-20230119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T13:31:55.751313+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}