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  "documentTitle": "Pathward Financial | Results Presentation Deck | 34 slides",
  "authorId": "pathward-financial",
  "authorName": "Pathward Financial",
  "documentKindSlug": "conference-presentation",
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  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-04-01 00:00:00",
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  "pageNumber": 21,
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  "notes": "The slide uses a pie chart for current composition and a stacked bar chart for historical growth trends.",
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      "kind": "chart",
      "text": "End of Period Deposits ($B)",
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      "text": "Deposit Breakdown",
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      "text": "Pathward's BaaS business generates fee income and low-cost deposits leading to high levels of noninterest-bearing deposits (96% of total deposits). The BaaS business' ability to attract and maintain these low-cost deposits provides a powerful competitive advantage. Noninterest-bearing deposits as a percentage of total deposits has increased every year since 2018, from 54% in 4Q18 to 96% as of 2Q23. $1.96 billion of off-balance sheet customer deposits currently held in custody at program banks. These off-balance sheet deposits earn recordkeeping service fee income, typically reflective of the Effective Fed Funds Rate. 2Q23 deposits elevated due to seasonal tax activity.",
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