Regulatory Matters

12 Months Ended

Dec. 31, 2025

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%

- 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 + Details