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The Bancorp Bank, National Association
Sioux Falls, SD·FDIC Cert #35444·Charter: OCC·Est. 20000728.0·HC: BANCORP INC THE
Total Assets
$9.3B
Q4 2025
Return on Assets
2.81%
-0.09%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
39.50%
Peer avg: 56.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
64
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.81%-0.09
ROE
28.21%-0.39
Efficiency
39.50%-0.14
Equity/Assets
0.00%+0.00
NPL Ratio
1.32%-0.32
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.94%-2.97
Charge-offs
2.33%-0.05
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 3.1 | 3.0 | 3.0 | 2.9 | 2.8 | 2.9 | 2.9 | 2.8 |
| ROE | 27.3 | 27.2 | 26.6 | 26.4 | 28.4 | 28.6 | 28.6 | 28.2 |
| Efficiency | 46.1 | 47.6 | 48.4 | 45.9 | 38.6 | 39.4 | 39.6 | 39.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.3 | 0.6 | 0.7 | 0.9 | 0.8 | 1.3 | 1.6 | 1.3 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.4 | 2.4 | 2.3 | 2.4 | 2.3 |
| Loan/Deposit | 82.8 | 81.5 | 88.4 | 81.1 | 78.1 | 85.7 | 90.9 | 87.9 |
Balance Sheet
Total Assets$9.3B
Total Deposits$8.2B
Total Loans$7.2B
Total Equity$870.0M
Profitability
ROA2.81%
ROE28.21%
Efficiency Ratio39.50%
Net Income$252.2M
Risk & Asset Quality
NPL Ratio1.32%
Charge-off Rate2.33%
Loan/Deposit87.94%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans