Capital Requirements and Regulatory Restrictions (Tables)

12 Months Ended

Dec. 31, 2019

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Schedule of Capital Amounts and Ratios

The Company’s and the Bank’s actual and required capital amounts and ratios are as follows:

	Actual				Capital Requirements				Requirement to be Well-Capitalized
(In thousands)	Amount Ratio				Amount Ratio				Amount Ratio
At December 31, 2019
Total capital (to risk-weighted assets)
Cass Information Systems, Inc.	$	249,954	19.70	%	$	101,530	8.00	%	$	N/A	N/A	%
Cass Commercial Bank		154,011	19.32			63,778	8.00			79,722	10.00
Common Equity Tier I Capital (to risk-weighted assets)
Cass Information Systems, Inc.		239,398	18.86			57,110	4.50			N/A	N/A
Cass Commercial Bank		145,673	18.27			35,875	4.50			51,819	6.50
Tier I capital (to risk-weighted assets)
Cass Information Systems, Inc.		239,398	18.86			76,147	6.00			N/A	N/A
Cass Commercial Bank		145,673	18.27			47,833	6.00			63,778	8.00
Tier I capital (to average assets)
Cass Information Systems, Inc.		239,398	13.24			72,329	4.00			N/A	N/A
Cass Commercial Bank		145,673	16.64			35,012	4.00			43,765	5.00

40

At December 31, 2018
Total capital (to risk-weighted assets)
Cass Information Systems, Inc.	$	244,660	21.38	%	$	91,550	8.00	%	$	N/A	N/A	%
Cass Commercial Bank		137,894	18.31			60,257	8.00			75,321	10.00
Common Equity Tier I Capital (to risk-weighted assets)
Cass Information Systems, Inc.		234,435	20.49			51,497	4.50			N/A	N/A
Cass Commercial Bank		130,037	17.26			33,895	4.50			48,959	6.50
Tier I capital (to risk-weighted assets)
Cass Information Systems, Inc.		234,435	20.49			68,662	6.00			N/A	N/A
Cass Commercial Bank		130,037	17.26			45,193	6.00			60,257	8.00
Tier I capital (to average assets)
Cass Information Systems, Inc.		234,435	13.89			67,500	4.00			N/A	N/A
Cass Commercial Bank		130,037	15.35			33,884	4.00			42,354	5.00