The Bancorp Bank

Overview

What stands out about The Bancorp Bank?

Its largest one-quarter change in total assets since Q1 2016 was +23.5% between Q4 2020 and Q1 2021, a quarter with no merger or acquisition in the FDIC history. Against its six size peers, its return on equity (ROE) stands out most: 31.84% at Q2 2026, above the peer median of 15.62%. Its uninsured share of domestic deposits of 2.84% at Q2 2026 is in the lowest 5% of the 500 banks reporting it (rank 490 of 500, 1 = highest). Its net charge-offs to average loans of 1.51% at Q2 2026 is among the highest 5% of the 500 banks reporting it, a loan-quality outlier (rank 478 of 500, 1 = lowest).

How large is The Bancorp Bank?

At Q2 2026 the bank held $9.2 bn of assets. Deposits were $7.5 bn and net loans and leases $7.1 bn, a loan-to-deposit ratio of 95.15%. Securities of $1.6 bn made up 17.5% of assets.

Total assets rose 111.1% between Q1 2016 and Q2 2026, from $4.4 bn.

How much of its funding is uninsured?

An estimated 2.84% of domestic deposits were above the FDIC insurance limit at Q2 2026, -0.04 pp from the previous quarter and -4.36 pp from a year earlier. That share ranks 490th among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The common equity tier 1 (CET1) ratio was 14.27% at Q2 2026, -1.53 pp from a year earlier. Since Q1 2016 it has ranged from 11.80% (Q2 2016) to 24.52% (Q3 2019). At Q2 2026 the tier 1 leverage ratio was 9.09% and the total risk-based capital ratio 15.32%. The median CET1 ratio of the size peers listed below was 13.14% at Q2 2026.

Available-for-sale securities showed an unrealized loss of $4.8 mn at Q2 2026; the loss turned from a gain into a loss from a year earlier.

Return on equity was 31.84% for the year to Q2 2026, annualized, with a return on assets of 2.94% and a net interest margin of 5.49%. The margin was -0.56 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 41.28%. Net income for the year to Q2 2026 was $139.3 mn, up 7.1% on the same period a year earlier. The median return on equity of its size peers was 15.62% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 1.33% of total loans at Q2 2026. Net charge-offs for the year to date were 1.51% of average loans, annualized.

The FDIC history records no mergers or acquisitions for The Bancorp Bank since Q1 2016, and its total assets never moved more than 25% in one quarter.