Short answer
Bancorp, Inc. (TBBK) filed its Q3 2025 10-Q quarterly report on Nov 10, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $136M (down 2.4% year over year) with net income of $55M.
Q3 2025 key financials · XBRL
- Revenue
- $136M
- −2.4% YoY · −4.7% QoQ
- Net income
- $55M
- +6.6% YoY · −8.2% QoQ
- EPS (diluted)
- $1.18
- +12.4% YoY · −7.1% QoQ
Source: XBRL data from the Bancorp, Inc. (TBBK) Q3 2025 10-Q on SEC EDGAR. USD.
Bancorp, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue (net interest income + non-interest income) approx. $174.6M in Q3 2025, up from approx. $125.8M in Q3 2024 (~39% increase primarily from non-interest income surge)
- Operating margin impact: Net interest margin declined to 4.45% in Q3 2025 from 4.78% in Q3 2024, a 33 bps decrease; provision for credit losses spiked $41.5M to $45.1M
- Best segment: Consumer fintech loans with $39.8M credit enhancement income offsetting $39.8M provision; worst segment: Real estate bridge loans with $3.7M interest income decline
- Cash and liquidity: Deposits grew $618.2M (8.8%) to $7.63B; Federal Reserve balances rose 43.5% to $355M; borrowings stable at $200M with $2.78B capacity
- Outlook: Management expects sufficient liquidity for next 12 months; no adoption of FDIC proposed rule reducing deposit classification flexibility; fintech provision impact remains notable risk factor
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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