The Bancorp Bank N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Bancorp Bank N.A. is one of the more profitable banks of its size. It reported $9.2 billion in assets at June 30, 2026, up 4.3% from a year earlier. It earns about $2.89 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Loans and deposits moved in opposite directions: over the year loans rose 7.0% and deposits fell 3.7%. Its $2.3 billion multifamily book is improving, with 0.99% past due or on nonaccrual, down from 1.66% a year earlier. Credit is the area to watch: it carries problem assets equal to 13.9% of the capital and reserves that would absorb them, 3.9 times the median of 3.6% for banks its size.
As of June 30, 2026, The Bancorp Bank N.A. reported a CET1 capital ratio of 14.27%, a return on assets of 2.89%, a nonperforming-loan ratio of 1.12% and a Texas ratio of 13.85%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 345 N Reid Pl, Sioux Falls, SD 57103
- County
- Minnehaha
- Metro Area
- Sioux Falls, SD-MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 28, 2000
- Former names
- The Bancorp Bank, National Association (2022); The Bancorp Bank (2002-2022); The Bancorp.com Bank (2000-2002)
- Offices
- 1 domestic
- Employees (FTE)
- 739
- Domestic deposits
- $7.49B
- Allowance for credit losses
- $63.5M
- Net charge-offs (YTD)
- $56.3M
- Average total assets
- $9.73B
- Average total loans
- $6.95B
- Average interest-bearing deposits
- $563.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 28, 2000
- FDIC Cert
- 35444
- Fed RSSD
- 2858960
- SEC CIK
- 1295401 → filed by BANCORP, INC., THE
- Website
- www.thebancorp.com →
- Parent Holding Company
- BANCORP, INC., THE (RSSD 2858951) · TBBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Damian Kozlowski | CEO | Chief Executive Officer |
| Dominic C Canuso | CFO | EVP & Chief Financial Officer |
| Gregor J Garry | COO | EVP and COO |
| Erika R Caesar | GC | EVP and General Counsel |
| Matthew J Wallace | CIO | EVP and CIO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Bancorp Bank N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Bancorp Bank N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Bancorp Bank N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Bancorp Bank N.A.: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 2.89% | 1.12% | 13.85% | 5.37% |
| Q1 2026 | 14.06% | 2.92% | 1.04% | 13.61% | 5.38% |
| Q4 2025 | 14.03% | 2.67% | 0.94% | 14.07% | 5.88% |
| Q3 2025 | 14.66% | 2.87% | 1.21% | 16.04% | 6.14% |
| Q2 2025 | 15.80% | 2.93% | 1.11% | 13.00% | 6.15% |
| Q1 2025 | 15.33% | 2.72% | 0.70% | 10.71% | 5.56% |
| Q4 2024 | 15.25% | 2.67% | 1.71% | 11.25% | 5.96% |
| Q3 2024 | 15.11% | 2.83% | 2.08% | 9.66% | 6.33% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bancorp Bank, National Association | Sioux Falls , SD | 57103 | $7.49B |
Regulatory record
What the public regulatory sources show for The Bancorp Bank N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (SEC Form 8-K)
- August 24, 2022, SEC Form 8-K: 8-K Item 8.01: cease and desist
- Period: Most recent institution action August 24, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in SD, rank 3 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 110 loans, $132.3M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bancorp Bank N.A.
What are The Bancorp Bank N.A.'s total assets?
As of the Q2 2026 filing, The Bancorp Bank N.A. reported total assets of $9.21 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bancorp Bank N.A. headquartered?
The Bancorp Bank N.A. is headquartered in Sioux Falls, SD, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Bancorp Bank N.A. founded?
The Bancorp Bank N.A. was established in 2000, per the FDIC institution directory.
Is The Bancorp Bank N.A. FDIC-insured?
Yes. The Bancorp Bank N.A. is an FDIC-insured commercial bank (FDIC Certificate #35444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bancorp Bank N.A.?
The Bancorp Bank N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bancorp Bank N.A.'s CET1 capital ratio?
The Bancorp Bank N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 14.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bancorp Bank N.A. operate?
The Bancorp Bank N.A. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bancorp Bank N.A.'s Texas Ratio?
The Bancorp Bank N.A.'s Texas Ratio is 13.85% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bancorp Bank N.A. previously called?
The charter now named The Bancorp Bank N.A. has also operated as The Bancorp Bank, National Association (2022), The Bancorp Bank (2002-2022), The Bancorp.com Bank (2000-2002), per FDIC structure-change records.
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