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  "documentTitle": "Pathward Financial | Investor Presentation Deck | 43 slides",
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      "text": "NET INTEREST MARGIN AND LOAN YIELDS",
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      "text": "As of September 30, 2024, $2.4B, or 52% of loans and leases contained floating or variable interest rates. Of these, $1.4B are tied to Fed Funds or Prime, with the remaining tied to either SOFR or the CMT.",
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      "text": "Remain focused on smart growth in the Commercial Finance loan portfolio.",
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      "text": "4Q24 yields elevated by continued optimization of the balance sheet.",
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      "text": "As of September 30, 2024, all variable loans with floors were at or above their floors.",
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      "text": "$1.8 billion securities portfolio provides cash flow for future commercial finance loan growth.",
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      "text": "FY21 NIM suppressed because of elevated cash balances from government stimulus programs. Adjusted NIM includes contractual card processing expenses associated with higher interest rates. See appendix for Non-GAAP financial measures reconciliation.",
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      "text": "LOAN PORTFOLIO INTEREST RATE SENSITIVITY",
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