卡斯信息系统 2025年度报告

FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OFTHE SECURITIES EXCHANGE ACT OF 1934 (Mark One) ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission file number:000-20827 A. Full title of the plan and the address of the plan, if different from that of the issuer named below: CASS INFORMATION SYSTEMS, INC. 401(K) PLAN B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: CASS INFORMATION SYSTEMS, INC.12444 Powerscourt Drive, Suite 550St. Louis, Missouri 63131 REQUIRED INFORMATION The Cass Information Systems, Inc. 401(k) Plan (the “Plan”) is subject to the provisions of the Employee Retirement Income Security Act of1974, as amended (“ERISA”), and for purposes of satisfying the requirements of Form 11-K has included for filing herewith the Plan financialstatements and schedule prepared in accordance with the financial reporting requirements of ERISA. CASS INFORMATION SYSTEMS, INC. 401(K) PLAN INDEX PageReport of Independent Registered Public Accounting FirmFinancial Statements:Statements of Net Assets Available for Benefits as of December 31, 2025, and 20241Statements of Changes in Net Assets Available for Benefits for the Years Ended December 31, 2025, and 20242Notes to Financial Statements3Supplemental Schedule:*Schedule H, line 4i - Schedule of Assets (Held at End of Year) as of December 31, 20259 * All other schedules required by Section 2520.103-10 of the Department of Labor’s Rules and Regulations for Reporting and Disclosure underERISA have been omitted because they are not applicable. To the Retirement Plan Committee and Plan Participants ofCass Information Systems, Inc. 401(k) PlanSt. Louis, Missouri Opinion on the Financial Statements We have audited the accompanying statements of net assets available for benefits of the Cass Information Systems, Inc. 401(k) Plan (the“Plan”) as of December 31, 2025 and 2024, the related statements of changes in net assets available for benefits for the years thenended, and the related notes (collectively referred to as thefinancial statements). In our opinion, thefinancial statements present fairly,in all material respects, the net assets available for benefits of the Plan as of December 31, 2025 and 2024, and the changes in netassets available for benefits for the years then ended, in conformity with accounting principles generally accepted in the United Statesof America. Basis for Opinion Thesefinancial statements are the responsibility of the Plan’s management. Our responsibility is to express an opinion on the Plan’sfinancial statements based on our audits. We are a public accountingfirm registered with the Public Company Accounting OversightBoard (United States) (PCAOB) and are required to be independent with respect to the Plan in accordance with the U.S. federalsecurities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB. We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the auditsto obtain reasonable assurance about whether thefinancial statements are free of material misstatement, whether due to error orfraud. The Plan is not required to have, nor were we engaged to perform, an audit of its internal control overfinancial reporting. As partof our audits, we are required to obtain an understanding of internal control overfinancial reporting, but not for the purpose ofexpressing an opinion on the effectiveness of the Plan’s internal control overfinancial reporting. Accordingly, we express no suchopinion. Our audits included performing procedures to assess the risks of material misstatement of thefinancial statements, whether due toerror or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidenceregarding the amounts and disclosures in thefinancial statements. Our audits also included evaluating the accounting principles usedand significant estimates made by management, as well as evaluating the overall presentation of thefinancial statements. We believethat our audits provide a reasonable basis for our opinion. Supplemental Information The accompanying schedule of assets (held at end of year) as of December 31, 2025, has been subjected to audit procedures performedin conjunction with the audit of the Plan’sfinancial statements. The supplemental information is the responsibility of the Plan’smanagement. Our audit procedures included determining whether the supplemental information reconciles to thefinancial statementsor the underlying accounting and other records, as applicable, and performing procedures to test the completeness and accuracy of theinformati