TBBK Bancorp, Inc.
FY2025 10-K
Bancorp, Inc. (TBBK) filed its fiscal year 2025 10-K annual report with the SEC on Feb 25, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
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
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
Financial SummaryXBRL
Revenue
$141M
Net Income
$228M
Net Margin
161.7%
ROE
33.1%
Total Assets
$9.4B
EPS (Diluted)
$4.92
Operating Cash Flow
$265M
Source: XBRL data from Bancorp, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on Bancorp, Inc.
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.