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Regulatory Matters | 12 Months Ended
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Dec. 31, 2024
Regulatory Matters [Abstract] |
Regulatory Matters | Note R—Regulatory Matters ##### It is the policy of the Federal Reserve that financial holding companies should pay cash dividends on common stock only from income available over the past year and only if prospective earnings retention is consistent with the organization’s expected future needs and financial condition. The policy provides that financial holding companies should not maintain a level of cash dividends that undermines the financial holding company’s ability to serve as a source of strength to its banking subsidiaries. ##### Various federal and state statutory provisions limit the amount of dividends that subsidiary banks can pay to their holding companies without regulatory approval. Without the prior approval of the OCC, a dividend may not be paid if the total of all dividends declared by a bank in any calendar year is in excess of the current year’s net income combined with the retained net income of the two preceding years. Additionally, a dividend may not be paid in excess of a bank’s retained earnings. Moreover, an insured depository institution may not pay a dividend if the payment would cause it to be less than “adequately capitalized” under the prompt corrective action framework as defined in the Federal Deposit Insurance Act or if the institution is in default in the payment of an assessment due to the FDIC. Similarly, a banking organization that fails to satisfy regulatory minimum capital conservation buffer requirements will be subject to certain limitations, which include restrictions on capital distributions. In addition to these explicit limitations, federal and state regulatory agencies are authorized to prohibit a banking subsidiary or financial holding company from engaging in an unsafe or unsound practice. Depending upon the circumstances, the agencies could take the position that paying a dividend would constitute an unsafe or unsound banking practice. ##### The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification of the Company and the Bank are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Moreover, capital requirements may be modified based upon regulatory rules or by regulatory discretion at any time reflecting a variety of factors including deterioration in asset quality.
|  |  |  |  |  |  |  |  |  |  | To be well
|  |  |  |  |  |  |  |  |  |  | capitalized under
|  |  |  |  |  |  | For capital |  | prompt corrective
|  | Actual |  |  | adequacy purposes |  | action provisions
|  | Amount |  | Ratio |  |  | Amount |  | Ratio |  | Amount |  | Ratio
|  | (Dollars in thousands)
As of December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital |  |  |  |  |  |  |  |  |  |  |  |  |
(to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. | $ | 840,139 |  | 14.46% |  | $ | 464,739 |  | >=8.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 921,743 |  | 15.87% |  |  | 464,596 |  | 8.00 |  | 580,745 |  | >= 10.00%
Tier 1 capital |  |  |  |  |  |  |  |  |  |  |  |  |
(to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. |  | 806,167 |  | 13.88% |  |  | 348,554 |  | >=6.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 887,771 |  | 15.29% |  |  | 348,447 |  | 6.00 |  | 464,596 |  | >= 8.00%
Tier 1 capital |  |  |  |  |  |  |  |  |  |  |  |  |
(to average assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. |  | 806,167 |  | 9.41% |  |  | 342,810 |  | >=4.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 887,771 |  | 10.38% |  |  | 342,164 |  | 4.00 |  | 427,705 |  | >= 5.00%
Common equity tier 1 |  |  |  |  |  |  |  |  |  |  |  |  |
(to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. |  | 806,167 |  | 13.88% |  |  | 232,370 |  | >=4.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 887,771 |  | 15.29% |  |  | 261,335 |  | 4.50 |  | 377,484 |  | >= 6.50%
As of December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital |  |  |  |  |  |  |  |  |  |  |  |  |
(to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. | $ | 855,599 |  | 16.23% |  | $ | 421,660 |  | >=8.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 941,646 |  | 17.92% |  |  | 420,430 |  | 8.00 |  | 525,538 |  | >= 10.00%
Tier 1 capital |  |  |  |  |  |  |  |  |  |  |  |  |
(to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. |  | 825,597 |  | 15.66% |  |  | 316,245 |  | >=6.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 911,644 |  | 17.35% |  |  | 315,323 |  | 6.00 |  | 420,430 |  | >= 8.00%
Tier 1 capital |  |  |  |  |  |  |  |  |  |  |  |  |
(to average assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. |  | 825,597 |  | 11.19% |  |  | 295,246 |  | >=4.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 911,644 |  | 12.37% |  |  | 294,736 |  | 4.00 |  | 368,420 |  | >= 5.00%
Common equity tier 1 |  |  |  |  |  |  |  |  |  |  |  |  |
(to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. |  | 825,597 |  | 15.66% |  |  | 210,830 |  | >=4.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 911,644 |  | 17.35% |  |  | 236,492 |  | 4.50 |  | 341,600 |  | >= 6.50%
As of December 31, 2024, the Bank met all regulatory requirements for classification as well capitalized under the regulatory framework for prompt corrective action.

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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