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  <xs:element id="cass_EquitySecuritiesSmallCapMember" abstract="false" name="EquitySecuritiesSmallCapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_SERPServiceAfterYearSevenMember" abstract="true" name="SERPServiceAfterYearSevenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_RealEstateCommercialConstructionLoanMember" abstract="false" name="RealEstateCommercialConstructionLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_RealEstateFaithbasedMortgageMember" abstract="false" name="RealEstateFaithbasedMortgageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_DeferredTaxAssetLeaseLiability" abstract="false" name="DeferredTaxAssetLeaseLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cass_ReserveForUnfundedCommitments" abstract="false" name="ReserveForUnfundedCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cass_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" abstract="false" name="ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cass_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsForfeituresInPeriodWeightedAverageExercisePrice" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsForfeituresInPeriodWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="cass_SupplementalExecutiveRetirementPlanMember" abstract="false" name="SupplementalExecutiveRetirementPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_InterestAndDividendIncomeIncludingTaxEquivalentAdjustmentOperating" abstract="false" name="InterestAndDividendIncomeIncludingTaxEquivalentAdjustmentOperating" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cass_NetIncreaseDecreaseInInterestBearingDemandAndSavingsDeposits" abstract="false" name="NetIncreaseDecreaseInInterestBearingDemandAndSavingsDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cass_AverageFundingSources" abstract="false" name="AverageFundingSources" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cass_FederalHomeLoanBankMember" abstract="false" name="FederalHomeLoanBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_SixCorrespondingBanksMember" abstract="true" name="SixCorrespondingBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_EquitySecuritiesLargeCapMember" abstract="false" name="EquitySecuritiesLargeCapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_CREMember" abstract="false" name="CREMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_UnitedStatesLargeCapPassiveMember" abstract="false" name="UnitedStatesLargeCapPassiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_PaycheckProtectionProgramMember" abstract="false" name="PaycheckProtectionProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_TwoCorrespondingBanksMember" abstract="true" name="TwoCorrespondingBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_CommercialLettersOfCreditMember" abstract="false" name="CommercialLettersOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets1" abstract="false" name="CapitalRequiredForCapitalAdequacyToRiskWeightedAssets1" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cass_SummaryOfTheFairValueMeasurementsByTypeOfAssetTableTextBlock" abstract="false" name="SummaryOfTheFairValueMeasurementsByTypeOfAssetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cass_AccountsAndDraftsPayable" abstract="false" name="AccountsAndDraftsPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cass_FaithBasedRealEstateOneMember" abstract="false" name="FaithBasedRealEstateOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_OpportunisticMember" abstract="false" name="OpportunisticMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_IncomeTaxReconciliationReconcilingItemsAbstract" abstract="true" name="IncomeTaxReconciliationReconcilingItemsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cass_OutsideServiceFees" abstract="false" name="OutsideServiceFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cass_CassCommercialBankMember" abstract="false" name="CassCommercialBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_CassInformationSystemsIncMember" abstract="false" name="CassInformationSystemsIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cass_InvestmentInDebtSecuritiesPolicyTextBlock" abstract="false" name="InvestmentInDebtSecuritiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cass_ScheduleOfPlansPensionCostsTableTextBlock" abstract="false" name="ScheduleOfPlansPensionCostsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cass_CommonEquityTierOneRiskBasedCapital" abstract="false" name="CommonEquityTierOneRiskBasedCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cass_DefinedBenefitPlanPlanAssetsMeasurementInput" abstract="false" name="DefinedBenefitPlanPlanAssetsMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="cass_SummaryOfProjectedBenefitObligationTableTextBlock" abstract="false" name="SummaryOfProjectedBenefitObligationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cass_NetIncreaseDecreaseInNoninterestBearingDemandDeposits" abstract="false" name="NetIncreaseDecreaseInNoninterestBearingDemandDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
