# EDGAR Filing Document

**Accession Number:** 0001295401
**File Stem:** 0002039852-25-000125
**Filing Date:** 2025-8
**Character Count:** 9833
**Document Hash:** 8f9849a1c6cc8f97233b6cc902b69783
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002039852-25-000125.hdr.sgml**: 20250804

**ACCESSION NUMBER**: 0002039852-25-000125

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20250804

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250804

**DATE AS OF CHANGE**: 20250804

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Bancorp, Inc.
- **CENTRAL INDEX KEY:** 0001295401
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 233016517
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-51018
- **FILM NUMBER:** 251181018

**BUSINESS ADDRESS:**
- **STREET 1:** 409 SILVERSIDE ROAD
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19809
- **BUSINESS PHONE:** 302-385-5000

**MAIL ADDRESS:**
- **STREET 1:** 409 SILVERSIDE ROAD
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19809

?xml version='1.0' encoding='ASCII'? The Bancorp, Inc. Form 8-K

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**Form 8-K**

**Current Report** 

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934** 

**Date of Report (Date of earliest event reported):** August 4, 2025

**The Bancorp, Inc.** 

(Exact name of registrant as specified in its charter)

**Commission File Number:** 000-51018

---

| | |
|:---|:---|
| **Delaware** | **23-3016517** |
| (State or other jurisdiction of | (IRS Employer |
| incorporation) | Identification No.) |

---

**409 Silverside Road**

**Wilmington, DE 19809**

(Address of principal executive offices, including zip code)

**302-385-5000** 

(Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[_] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[_] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

[_] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[_] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading**<br> **Symbol(s)** | **Name of each exchange on which registered** |
| **Common Stock, par value $1.00 per share** | **TBBK** | **Nasdaq Global Select** |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2).

[_] Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [_]

**Item 7.01. Regulation FD Disclosure**

On August 4, 2025, The Bancorp, Inc. (the "Company") issued a press release announcing that Kroll Bond Rating Agency, LLC upgraded certain long- and short-term credit ratings of the Company and its wholly owned subsidiary, The Bancorp Bank, N.A. A copy of this press release is furnished with this report as Exhibit 99.1.

The information included in this Current Report, including the exhibit hereto, is being furnished and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, except as otherwise stated in such filing.

**Item 9.01. Financial Statements and Exhibits.**

---

| | |
|:---|:---|
| (d) Exhibits |  |
| 99.1 | [Press Release](ex99-1.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

**SIGNATURES** 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Date: August 4, 2025 | &nbsp;&nbsp;THE BANCORP, INC. | &nbsp;&nbsp;THE BANCORP, INC. |
|  | &nbsp;&nbsp;By: | &nbsp;&nbsp;/s/ Martin Egan |
|  | &nbsp;&nbsp;Name: | &nbsp;&nbsp;Martin Egan |
|  | &nbsp;&nbsp;Title: | &nbsp;&nbsp;MD, Interim Chief Financial Officer and Chief Accounting Officer |

---

## Exhibit 99.1

**Exhibit 99.1**

**The Bancorp, Inc. and The Bancorp Bank, N.A. Receive Upgraded Ratings from KBRA**

*KBRA Upgrades Ratings for The Bancorp, Inc. and The Bancorp Bank, N.A.* 

WILMINGTON, Delaware, August 4, 2025 – The Bancorp, Inc. (NASDAQ: TBBK) today announced that Kroll Bond Rating Agency, LLC ("KBRA") has upgraded multiple long- and short-term credit ratings for both The Bancorp, Inc. (the "Company") and its wholly owned subsidiary, The Bancorp Bank, N.A. (the "Bank") (collectively "The Bancorp").

For the Company, KBRA upgraded the senior unsecured debt rating to BBB+ from BBB, the subordinated debt rating to BBB from BBB-, and the short-term debt rating to K2 from K3. In addition, KBRA upgraded the Bank's deposit and senior unsecured debt ratings to A- from BBB+, and the subordinated debt rating to BBB+ from BBB. The Bank's short-term deposit and debt ratings of K2 were affirmed. In conjunction with the upgraded ratings, KBRA revised its outlook for all long-term ratings to Stable from Positive.

Key Highlights from KBRA's Rating Announcement:

Industry Leader in the BaaS Industry: The upgrades are supported by The Bancorp's long-standing position as a leader in the banking as a service industry, particularly in the prepaid and debit card space, where the Bank ranks as the largest issuer of prepaid cards by transaction volume;

Non-interest Income Growth: The Bancorp has been able to generate above-peer fee revenues, including a 30% year-over-year increase in non-interest income in the first half of 2025, reaching fee revenues of $78 million, or 1.7% of average assets.

Above-Peer Capital Levels: The Bancorp has maintained capital levels that exceed its peers, including a Common Equity Tier 1 (CET1) ratio of 14.4% as of the second quarter in 2025.

The full KBRA rating report and press release are available at www.kbra.com. KBRA's credit ratings and analysis represent the agency's independent opinions and should not be considered statements of fact or investment recommendations by KBRA or the Company.

**About The Bancorp**

The Bancorp, Inc. (NASDAQ: TBBK), through its subsidiary, The Bancorp Bank, N.A., provides non-bank financial companies with the people, processes, and technology to meet their unique banking needs. With over 20 years of experience, The Bancorp delivers partner-focused solutions paired with cutting-edge technology for companies that range from entrepreneurial startups to Fortune 500 companies. Through its Fintech Solutions, Institutional Banking, Commercial Lending, and Real Estate Bridge Lending businesses, The Bancorp is the third-largest bank by asset size in South Dakota, earning recognition as the #1 issuer of prepaid cards in the U.S., a nationwide provider of bridge financing for real estate capital improvement plans, an SBA National Preferred Lender, a leading provider of securities-backed lines of credit, and one of the few bank-owned commercial vehicle leasing groups in the country. With a company-wide commitment to excellence, The Bancorp is recognized as the top-ranked publicly traded bank with assets between $5B-$50B by Bank Director Magazine, a Readers' Choice Top 50 Employer by Equal Opportunity Magazine and was selected to be included in the S&P Small Cap 600. For more about The Bancorp, visit https://thebancorp.com/.

**Forward-Looking Statements**

Statements in this press release that are not historical facts are "forward-looking statements" within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and Section 27A of the Securities Act of 1933, as amended. Forward-looking statements provide management's current expectations of future events based on certain assumptions and include any statement that does not directly relate to any historical or current fact. Sentences containing words such as "believe," "intend," "plan," "may," "expect," "should," "could," "anticipate," "estimate," "predict," "project," or their negatives, or other similar expressions of a future or forward-looking nature generally should be considered forward-looking statements. While the Company considers these expectations and assumptions to be reasonable, they are inherently subject to significant business, economic, competitive, regulatory, and other risks and uncertainties, most of which are difficult to predict and many of which are beyond the Company's control. The Company undertakes no obligation to review or update any forward-looking statements, whether as a result of new information, future events or otherwise, unless required by law.

###

**Investor Relations**<br> Andres Viroslav, Director of Investor Relations<br> The Bancorp<br> (215) 861-7990<br> aviroslav@thebancorp.com

**Media Relations**<br> Rachel Brick<br> Director of Strategic Communications<br> (302) 385-5410<br> rbrick@thebancorp.com<br>

Source: The Bancorp, Inc.