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Regulatory Matters | 12 Months Ended
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Dec. 31, 2025
Regulatory Matters [Abstract] |
Regulatory Matters | Note 15—Regulatory Matters 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. As of December 31, 2025, the Bank met all regulatory requirements for classification as well capitalized under the regulatory framework for prompt corrective action. The following table provides our regulatory capital amounts and ratios for the periods indicated (dollars in thousands):
|  |  |  |  |  |  | Minimum Capital |  | Well-Capitalized Capital
|  | Actual |  |  | Requirement |  | Requirement
|  | Amount |  | Ratio |  |  | Amount |  | Ratio |  | Amount |  | Ratio
As of December 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. | $ | 745,747 |  | 12.19% |  | $ | 489,522 |  | >=8.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 925,974 |  | 15.13% |  |  | 489,580 |  | 8.00 |  | 611,975 |  | >= 10.00%
Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. |  | 678,101 |  | 11.08% |  |  | 367,141 |  | >=6.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 858,328 |  | 14.03% |  |  | 367,185 |  | 6.00 |  | 489,580 |  | >= 8.00%
Tier 1 capital (to average assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. |  | 678,101 |  | 7.64% |  |  | 354,894 |  | >=4.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 858,328 |  | 9.70% |  |  | 354,062 |  | 4.00 |  | 442,577 |  | >= 5.00%
Common equity tier 1 (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. |  | 678,101 |  | 11.08% |  |  | 244,761 |  | >=4.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 858,328 |  | 14.03% |  |  | 275,389 |  | 4.50 |  | 397,784 |  | >= 6.50%
As of December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. | $ | 853,048 |  | 14.65% |  | $ | 465,772 |  | >=8.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 934,652 |  | 16.06% |  |  | 465,628 |  | 8.00 |  | 582,036 |  | >= 10.00%
Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |
The Bancorp, Inc. |  | 806,167 |  | 13.85% |  |  | 349,329 |  | >=6.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 887,771 |  | 15.25% |  |  | 349,221 |  | 6.00 |  | 465,628 |  | >= 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 |  | 13.85% |  |  | 232,886 |  | >=4.00 |  | N/A |  | N/A
The Bancorp Bank, National Association |  | 887,771 |  | 15.25% |  |  | 261,916 |  | 4.50 |  | 378,323 |  | >= 6.50%

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