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  "documentTitle": "Pathward Financial | Results Presentation Deck | 33 slides",
  "authorId": "pathward-financial",
  "authorName": "Pathward Financial",
  "documentKindSlug": "shareholder-letter",
  "documentKindLabel": "Shareholder letter",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-07-01 00:00:00",
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  "pageNumber": 19,
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  "notes": "The slide uses a combination of a pie chart for current composition and a stacked bar chart for historical growth.",
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      "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 stable deposits leading to high levels of noninterest-bearing deposits (96% of total deposits). The BaaS business's ability to attract and maintain these 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 3Q23. $781 million of off-balance sheet deposits held in custody at program banks as of June 30, 2023. These off-balance sheet deposits earn recordkeeping service fee income, typically reflective of the Effective Fed Funds Rate. 3Q23 deposit balances returning to normalized levels after being elevated due to seasonal tax activity.",
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