TBBK Bancorp, Inc.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Deposit funding sourced primarily from multi-year fintech partner relationships with payment, payroll, and government-based accounts
• • New senior debt issued: $200 million 7.375% senior notes due 2030, proceeds used to repay matured 4.75% senior notes and fund share repurchase program
• • Strategic emphasis on liquidity: Enhanced use of FHLB borrowings ($199 million at 2025 year-end) and off-balance sheet deposits totaling $400 million
• • Key metric: Total deposits up 14% to $7.89 billion in 2025, with significant growth in demand and interest checking balances
• • Noteworthy fact: Average interest-bearing Fed Reserve balances declined sharply to $225.4 million in Q4 2025 from $527.8 million in Q4 2024 reflecting tighter liquidity management

Risk Factors

• • Regulatory risk from potential balance sheet growth exceeding $10 billion, triggering enhanced supervisory requirements under federal banking regulations
• • Macroeconomic exposure to interest rate changes affecting deposit competition and liquidity, risking funding impairments and margin compression
• • Operational risk in dependence on digital delivery channels, with unique challenges including cybersecurity, customer trust, and lack of physical branch presence
• • Competitive threat from larger traditional banks with greater resources to invest in technology-driven product innovations and internet banking services
• • Financial risk tied to key-person dependency for implementing operational improvements and managing growth, risking increased costs and reduced profitability

Management Discussion & Analysis

• • Revenue fintech fees $141.1M, up 21% YoY from $116.8M; total non-interest income $328.3M, up $170.8M YoY mainly from fintech credit enhancement
• • Net income $228.2M, up 5% YoY from $217.5M; net interest margin 4.31% vs 4.85% YoY, decreased 54bps due to fintech loan mix shift
• • Best segment fintech loans: $1.10B end 2025, up 142% YoY from $454.4M; worst performing institutional banking restructured with $1.1M charge Q4 2025
• • Capital return $375M in 2025 with 5.646M shares repurchased at $66.42 avg; 2026 repurchase authorization $200M; investing in AI and infrastructure upgrades
• • Outlook fintech loans expected to grow, causing margin compression; expect continued fintech fee income growth; $8M run-rate expense reductions from restructuring starting 2026

What are the latest TBBK SEC filings in 2026?

Bancorp, Inc. (TBBK) has filed a 10-K annual report on February 25, 2026, a 10-Q quarterly report on May 6, 2026, an 8-K current report on August 3, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did TBBK file its most recent 10-K annual report?

Bancorp, Inc. (TBBK) filed its most recent 10-K annual report on February 25, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view TBBK 10-Q quarterly reports?

Bancorp, Inc. (TBBK)'s most recent 10-Q quarterly report was filed on May 6, 2026. SignalX displays every TBBK 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has TBBK filed recently?

Bancorp, Inc. (TBBK)'s most recent 8-K was filed on August 3, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find TBBK insider trading activity (Form 4)?

SignalX aggregates every TBBK Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does TBBK file with the SEC?

Bancorp, Inc. (TBBK) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new TBBK filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Bancorp, Inc. (TBBK).

What is TBBK's SEC CIK number?

Bancorp, Inc. (TBBK)'s SEC CIK (Central Index Key) number is 1295401. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1295401 to look up all TBBK filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find TBBK return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Bancorp, Inc. (TBBK) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.