Financial insights of TBBK

MyFinsight

For the year ending 2025-12-31, TBBK made $141,147K in revenue. $228,213K in net income. Net profit margin of 161.68%.

Income Statement	2025-12-31
Total fintech fees	141,147
Net realized and unrealized gains on commercial loans, at fair value	1,815
Leasing related income	7,135
Fintech loan credit enhancement	169,294
Other	8,942
Total non-interest income	328,333
Loans, including fees	448,030
Taxable interest	76,021
Tax-exempt interest	387
Interest-earning deposits	26,931
Total interest income	551,369
Deposits	162,751
Short-term borrowings	2,498
Long-term borrowings	784
Senior debt	8,805
Subordinated debentures	1,020
Total interest expense	175,858
Net interest income	375,511
Provision for credit losses on non-fintech loans	8,981
Provision for credit losses on fintech loans	169,294
Provision reversal for unfunded commitments	582
Provision for credit losses, total	177,693
Net interest income after provision (reversal) for credit losses	197,818
Salaries and employee benefits	142,554
Depreciation	4,650
Rent and related occupancy cost	6,466
Data processing expense	4,964
Audit expense	2,477
Legal expense	6,690
Legal settlements	2,000
Fdic insurance	4,543
Software	20,541
Insurance	4,780
Telecom and it network communications	1,222
Consulting	1,663
Other	20,564
Total non-interest expense	223,114
Income before income taxes	303,037
Income tax expense	74,824
Net income	228,213

Basic EPS	4.99
Diluted EPS	4.92
Basic Average Shares	45,770,549
Diluted Average Shares	46,421,672