For the quarter ending 2025-09-30, TBBK made $315,902K in revenue. $54,927K in net income. Net profit margin of 17.39%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Loans, including fees | 114,982 | 112,326 | 108,912 | 116,483 |
| Taxable interest | 17,354 | 22,393 | 18,127 | 19,767 |
| Tax-exempt interest | 104 | 103 | 83 | 43 |
| Interest-earning deposits | 3,954 | 8,326 | 12,680 | 3,387 |
| Total interest income | 136,394 | 143,148 | 139,802 | 139,680 |
| Deposits | 38,796 | 43,963 | 46,375 | 42,698 |
| Short-term borrowings | 495 | 5 | - | 1,030 |
| Long-term borrowings | 197 | 198 | 195 | 689 |
| Senior debt | 2,450 | 1,233 | 1,234 | 1,234 |
| Subordinated debentures | 259 | 257 | 255 | 297 |
| Interest allocation | - | - | - | 0 |
| Total interest expense | 42,197 | 45,656 | 48,059 | 45,948 |
| Net interest income | 94,197 | 97,492 | 91,743 | 93,732 |
| Provision for credit losses on non-consumer fintech loans | 5,755 | 1,494 | 874 | - |
| Provision for credit losses on consumer fintech loans | 39,790 | 43,233 | 45,868 | - |
| Provision (reversal) for unfunded commitments | 491 | 364 | -111 | -79 |
| Provision for credit losses on loans | - | - | - | 3,476 |
| Net interest income after provision (reversal) for credit losses | 49,143 | 53,129 | 44,890 | 90,177 |
| Fees-Total Fintech Fees | 35,083 | 35,645 | - | - |
| Net realized and unrealized gains on commercial loans, at fair value | 1,005 | 344 | 361 | 606 |
| Leasing related income | 1,397 | 2,131 | 1,972 | 1,072 |
| Fees | - | - | 34,446 | 27,799 |
| Consumer fintech loan credit enhancement | 39,790 | 43,233 | 45,868 | - |
| Other | 3,141 | 2,390 | 995 | 1,031 |
| Total non-interest income | 80,416 | 83,743 | 83,642 | 32,108 |
| Salaries and employee benefits | 37,350 | 37,134 | 33,669 | 33,821 |
| Depreciation | 1,152 | 1,125 | 1,104 | 1,047 |
| Rent and related occupancy cost | 1,592 | 1,717 | 1,568 | 1,734 |
| Data processing expense | 1,259 | 1,227 | 1,205 | 1,408 |
| Audit expense | 617 | 545 | 654 | 403 |
| Legal expense | 1,483 | 1,863 | 1,957 | 1,055 |
| Fdic insurance | 905 | 1,202 | 1,053 | 904 |
| Software | 5,040 | 5,144 | 5,013 | 4,561 |
| Insurance | 1,194 | 1,145 | 1,257 | 1,246 |
| Telecom and it network communications | 304 | 308 | 333 | 283 |
| Consulting | 430 | 436 | 456 | 418 |
| Other | 5,078 | 5,377 | 5,025 | 6,375 |
| Total non-interest expense | 56,404 | 57,223 | 53,294 | 53,255 |
| Income before income taxes | 73,155 | 79,649 | 75,238 | 69,030 |
| Income tax expense | 18,228 | 19,828 | 18,065 | 17,513 |
| Net income | 54,927 | 59,821 | 57,173 | 51,517 |
| Earnings per share, basic | 1.2 | 1.28 | 1.21 | 1.06 |
| Earnings per share, diluted | 1.18 | 1.27 | 1.19 | 1.04 |
| Weighted average number of shares outstanding, basic | 45,865,172 | 46,598,535 | 47,214,050 | 48,759,369 |
| Weighted average number of shares outstanding, diluted | 46,518,125 | 47,182,770 | 47,959,292 | 49,478,236 |
Bancorp, Inc. (TBBK)
Bancorp, Inc. (TBBK)