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Capital Requirements and Regulatory Restrictions (Tables) | 12 Months Ended
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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 Table of Contents
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 |

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