Bancorp, Inc. (TBBK) Q3 2025 10-Q Quarterly Report
Bancorp, Inc. (TBBK) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 10, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
Bancorp, Inc. Q3 2025 10-Q Analysis
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
Bancorp, Inc. Q3 2025 Quarterly FinancialsXBRL
Revenue
$136M
▼ -2.4% YoY▼ -4.7% QoQ
Net Income
$55M
▲ +6.6% YoY▼ -8.2% QoQ
Net Margin
40.3%
▲ +339bp YoY▼ -152bp QoQ
ROE
7.1%
Total Assets
$8.6B
EPS (Diluted)
$1.18
▲ +12.4% YoY▼ -7.1% QoQ
Operating Cash Flow
$78M
▲ +52.7% YoY▼ -9.0% QoQ
Source: XBRL data from Bancorp, Inc. Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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