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  "presentationDate": "2023-10-01 00:00:00",
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  "notes": "The chart illustrates the sensitivity of deposit costs to the Effective Fed Funds Rate, noting a lag in repricing for earning assets.",
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      "text": "Cost of Deposits line chart showing All-in Cost, Cost of Interest Bearing Deposits, Cost of Total Deposits, and Quarterly Average Effective Fed Funds Rate.",
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      "text": "As of September 30, 2023, approximately 49% of the deposit balances were subject to variable card processing expenses... These costs reprice immediately... As of September 30, 2023, Pathward also managed $268 million in off-balance sheet deposits...",
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