The Bancorp Bank N.A.
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Data as of · sourced from FFIEC call reports. How we update
The Bancorp Bank N.A. is an FDIC-insured commercial bank headquartered in Sioux Falls, SD, established in 2000 (FDIC certificate 35444), and it is supervised by the OCC. At Q2 2026 it reported total assets of $9.21B, up 4.3% from Q2 2025, the 3rd largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 14.27% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 35444
- Headquarters
- Sioux Falls, SD
- Established
- 2000
- Total assets, Q2 2026
- $9.21B
- Assets vs Q2 2025
- +4.3%
- CET1 ratio, Q2 2026
- 14.27%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 031101114
- Latest call report
- Q2 2026, FFIEC 041 · The Bancorp Bank N.A. call report
- Holding company
- BANCORP, INC., THE
- Asset rank in state
- 3rd of 56 in South Dakota
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 1.33% and a Texas ratio of 13.85%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in South Dakota, The Bancorp Bank N.A. is the 3rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 7.0% to $9.21B, loans fell 8.8% and deposits fell 11.3%. Multifamily loans made up 31.5% of its total loans on June 30, 2026, its largest category; next came other revolving consumer credit at 27.3%. Its one office in the FDIC Summary of Deposits is in Sioux Falls, SD. By the capital ratios in its Q2 2026 call report, The Bancorp Bank N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 1 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Bancorp Bank N.A.'s total assets ran between $7.46B (Q3 2023) and $9.90B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.21B total assets against $8.83B; $8.32B total liabilities against $7.88B.
$7.12B net loans and leases against $6.66B; $7.49B total deposits against $7.77B.
$1.61B securities against $1.48B; $80.1M cash and balances due against $340.3M.
$131.9M total interest income against $142.9M; $5.3M total interest expense against $7.8M.
$126.6M net interest income against $135.1M.
$73.0M total noninterest income against $83.7M; $83.0M total noninterest expense against $88.0M.
$26.1M provision for credit losses against $44.4M.
$70.2M net income against $66.7M.
2.89% return on assets against 2.93%; 5.37% net interest margin against 6.15%.
14.27% CET1 capital ratio against 15.80%; 9.09% tier 1 leverage ratio against 10.33%.
Inside the full The Bancorp Bank N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 87 of 3,611, for ROA; its furthest is 971 of 980, for uninsured deposits.
Metric pages for The Bancorp Bank N.A.: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.67% (Q4 2024) to 2.93% (Q2 2025) and its net interest margin ran from 5.37% (Q2 2026) to 6.33% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 2.89% | 1.33% | 13.85% | 5.37% |
| Q1 2026 | 14.06% | 2.92% | 1.23% | 13.61% | 5.38% |
| Q4 2025 | 14.03% | 2.67% | 1.31% | 14.07% | 5.88% |
| Q3 2025 | 14.66% | 2.87% | 1.62% | 16.04% | 6.14% |
| Q2 2025 | 15.80% | 2.93% | 1.24% | 13.00% | 6.15% |
| Q1 2025 | 15.33% | 2.72% | 0.79% | 10.71% | 5.56% |
| Q4 2024 | 15.25% | 2.67% | 0.87% | 11.25% | 5.96% |
| Q3 2024 | 15.11% | 2.83% | 0.71% | 9.66% | 6.33% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bancorp Bank, National Association | Sioux Falls , SD | 57103 | $7.49B |
Regulatory record
Facts as filed or published, not a rating.
- 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.
- 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).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The Bancorp Bank N.A. headquartered?
It is headquartered in Sioux Falls, SD, United States.
When was The Bancorp Bank N.A. founded?
It was established in 2000, per the FDIC institution directory.
Is The Bancorp Bank N.A. FDIC-insured?
Yes. It 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.
What is The Bancorp Bank N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 13.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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