---
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"
generated_at: "2026-06-20T13:31:55.751313+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Cass Information Systems reports record Q4 EPS $0.67, up 21.8% YoY; full-year EPS $2.53, up 26.5%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708781-23-000002
- JSON: https://secwatch.observer/filing/0000708781-23-000002.json
- Plain text: https://secwatch.observer/filing/0000708781-23-000002.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.