The Bancorp Bank
The Bancorp Bank reported total assets of $9.2 bn at Q2 2026, up 4.3% on a year earlier, the 174th largest of 497 banks in our US coverage. The CET1 capital ratio at The Bancorp Bank was 14.27%, and the uninsured share of The Bancorp Bank was 2.84%. Source: FDIC Call Reports.
Key takeaways
- The Bancorp Bank has one of the highest return on equity (ROE) readings among banks of $1 bn to $10 bn: 31.84% at , against a median of 12.68% across 339 banks (FDIC Call Reports).
- The uninsured share of domestic deposits of The Bancorp Bank, 2.84% at , places The Bancorp Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 32.61%; FDIC Call Reports).
- Few banks of $1 bn to $10 bn report a higher return on assets (ROA) than The Bancorp Bank, at 2.94% in against a group median of 1.32% (FDIC Call Reports).
What sets The Bancorp Bank apart
- The Bancorp Bank has one of the highest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 1.51% at , against a median of 0.06% across 339 banks.
- On common equity tier 1 (CET1) ratio, The Bancorp Bank slipped from 92nd to 149th among 448 US banks between and (1 = highest).
- At 5.49%, the net interest margin of The Bancorp Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 3.66%.
How large is The Bancorp Bank?
The balance sheet of The Bancorp Bank at : assets $9.2 bn, deposits $7.5 bn, net loans $7.1 bn (loans equal to 95.15% of deposits). Securities make up 17.5% of total assets at The Bancorp Bank. Since , when The Bancorp Bank held $4.4 bn, its assets grew 111.1%. In the year to , deposits at The Bancorp Bank fell 3.7% while its total assets rose 4.3%. At , The Bancorp Bank employed 739 full-time equivalent staff across 1 office, about $12.5 mn of assets per employee and $7.5 bn of deposits per office.
How much funding at The Bancorp Bank is uninsured?
At The Bancorp Bank, uninsured deposits (above the FDIC limit) made up 2.84% of domestic deposits at (-4.36 pp on a year earlier); The Bancorp Bank ranks 490th of 500 on this measure. In dollars, The Bancorp Bank estimated $212.7 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $7.5 bn | -3.7% | 173rd of 499 |
| Net loans and leases | $7.1 bn | +7.0% | 156th of 500 |
| Loan-to-deposit ratio | 95.15% | +9.46 pp | 107th of 500 |
| Tier 1 leverage ratio | 9.09% | -1.24 pp | 420th of 500 |
| Total risk-based capital ratio | 15.32% | -1.51 pp | 147th of 448 |
| Net interest margin | 5.49% | -0.56 pp | 28th of 500 |
| Return on assets (ROA) | 2.94% | +0.04 pp | 14th of 500 |
| Efficiency ratio | 41.28% | +1.89 pp | 65th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $4.8 mn | Turned from a gain into a loss | |
| Noncurrent loans to total loans | 1.33% | +0.09 pp | 408th of 500 (1 = lowest) |
| Net charge-offs to average loans | 1.51% | -0.84 pp | 478th of 500 (1 = lowest) |
US rank of The Bancorp Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
The Bancorp Bank: assets, deposits and loans
- Total assets $9.2bn
- Deposits $7.5bn
- Net loans $7.1bn
Capital and securities
The CET1 ratio of The Bancorp Bank stood at 14.27% in , -1.53 pp year on year. Low and high at The Bancorp Bank since : 11.80% () to 24.52% (). Equity capital of The Bancorp Bank at : $881.9 mn, or 9.6% of total assets. The Bancorp Bank also reported a total capital ratio of 15.32% for , and a tier 1 leverage ratio of 9.09%.
The available-for-sale portfolio of The Bancorp Bank showed an unrealized loss of $4.8 mn at ; the loss turned from a gain into a loss over the year.
The Bancorp Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 9.1%
The Bancorp Bank: unrealized securities gains and losses
- Available for sale -$5mn
- Held to maturity $0
Profitability and loan quality
For the year to , The Bancorp Bank earned a return on equity of 31.84%; return on assets: 2.94%. Net interest margin at The Bancorp Bank: 5.49%, -0.56 pp in a year. The Bancorp Bank net income: $139.3 mn, up 7.1% year on year. The efficiency ratio of The Bancorp Bank was 41.28%: about 41 cents cost per revenue dollar, against 44 cents at the median peer.
At , noncurrent loans were 1.33% of total loans at The Bancorp Bank; net charge-offs: 1.51% of average loans. Gross loans and leases at The Bancorp Bank: $7.2 bn, up 7.0% in a year.
The Bancorp Bank: profitability
- Return on equity 32%
- Net interest margin 5.5%
- Return on assets 2.9%
Peer group of The Bancorp Bank
The peer group of The Bancorp Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of The Bancorp Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in South Dakota. Against them, The Bancorp Bank shows CET1 ratio 14.27% against a peer median of 13.14%, return on equity 31.84% against a peer median of 15.62% and uninsured deposit share 2.84% against a peer median of 24.01%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Lake Forest Bank & Trust Company | National bank | IL | $9.3 bn | 11.16% | 21.10% | 49.90% | |
| Union Bank and Trust Company | State nonmember bank | NE | $9.2 bn | 12.70% | 15.67% | 11.78% | |
| First American Trust, FSB | Federal savings bank | CA | $9.2 bn | 33.45% | 23.05% | 63.84% | |
| The Bancorp Bank | National bank | SD | $9.2 bn | 14.27% | 31.84% | 2.84% | |
| Pinnacle Bank | State nonmember bank | NE | $9.2 bn | 12.35% | 15.56% | 30.89% | |
| First Mid Bank & Trust | National bank | IL | $9.1 bn | 13.58% | 9.42% | 17.14% | |
| Merrick Bank | State nonmember bank | UT | $9.1 bn | 16.80% | 13.48% | 4.76% | |
. FDIC Call Reports.
Last eight quarters
Two years at The Bancorp Bank, to : assets +14.0%, deposits +8.0%, equity -2.3%. Staff 766 to 739.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $8.1 bn | $8.7 bn | $9.4 bn | $8.8 bn | $8.6 bn | $9.3 bn | $9.9 bn | $9.2 bn |
| Total deposits | $6.9 bn | $7.8 bn | $8.4 bn | $7.8 bn | $7.4 bn | $8.2 bn | $8.4 bn | $7.5 bn |
| Bank equity capital | $902.2 mn | $871.4 mn | $911.6 mn | $942.7 mn | $873.8 mn | $870.0 mn | $872.7 mn | $881.9 mn |
| CET1 ratio | 15.11% | 15.25% | 15.33% | 15.80% | 14.66% | 14.03% | 14.06% | 14.27% |
| Return on equity (ROE) | 26.58% | 26.45% | 28.44% | 28.63% | 28.60% | 28.21% | 31.71% | 31.84% |
| Uninsured share of domestic deposits | 7.00% | 6.46% | 5.55% | 7.20% | 4.89% | 3.01% | 2.88% | 2.84% |
| Full-time equivalent employees | 766 | 771 | 764 | 783 | 762 | 735 | 738 | 739 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by The Bancorp Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of The Bancorp Bank?
The Bancorp Bank reported $9.2 bn at in its Call Report. That makes The Bancorp Bank the 174th largest of 497 banks in our US coverage.
Is The Bancorp Bank the same as its holding company?
No. This page covers The Bancorp Bank, FDIC certificate 35444; Bancorp, Inc., its holding company, reports separately to the Federal Reserve.
Is The Bancorp Bank profitable?
The Bancorp Bank reported net income of $139.3 mn for the year to ; annualized return on equity: 31.84%. So yes: The Bancorp Bank made a profit over these months.
When is data for The Bancorp Bank next updated?
Figures from The Bancorp Bank for are due after .
Where can I check the figures for The Bancorp Bank?
In the FDIC BankFind Suite record for certificate 35444, and in the Call Reports of The Bancorp Bank (RSSD ID 2858960) at the FFIEC Central Data Repository.