HIGHBuilt-inLoan_portfolio
91%
Fintech Solutions deposits
“10-K Item 1: '91% of our total deposits were sourced from Fintech Solutions business, primarily from Program sponsorship.'”
TBBK · Concentration risk · 10-K extracted
The Bancorp (TBBK) concentration risks
Updated
The most significant concentration The Bancorp discloses is Fintech Solutions deposits at 91%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: The Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH2
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inRegulatory
OCC
“10-K Item 1: 'supervised and examined by the Office of the Comptroller of the Currency ("OCC") as its primary regulator'”
MEDIUMBuilt-inLoan_portfolio
31%
real estate bridge lending
“10-K Item 1: 'Real estate bridge lending ("REBL") is $2.26 billion of loans, or 31% of our total loan portfolio'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile is dominated by a high-share funding dependency that defines the core business model: 91% of total deposits were sourced from the Fintech Solutions business, primarily from program sponsorship. This is a high-share, structural concentration — the company's deposit base is almost entirely composed of balances generated through its fintech program sponsorship activities rather than traditional retail or commercial deposit gathering. The structural character reflects that the company has deliberately built its business model around being a bank-as-a-service platform for fintech programs, but it also means that any adverse regulatory change, program contract non-renewal, or systemic shift in the program sponsorship market would directly affect the company's funding base. Regulatory exposure is the second high-share structural concentration: the company is supervised and examined by the Office of the Comptroller of the Currency (OCC) as its primary regulator. As a nationally chartered bank with a fintech-focused balance sheet, OCC oversight is a central structural dependency — the bank charter that enables program sponsorship operates under OCC supervision, and any material regulatory action, consent order, or charter-level concern would affect the company's ability to operate its core business model. The third disclosed exposure is a moderate portfolio concentration in real estate bridge lending, which at $2.26 billion represented 31% of the total loan portfolio. This moderate-share structural exposure is the primary credit risk dimension, separate from the funding and regulatory dependencies. Taken together, the profile is distinctive: a fintech-deposit-funded bank with a real estate bridge lending portfolio, where both the funding base and the operating charter are subject to specific concentration and regulatory dependencies.
For the engine’s reasoning on TBBK’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| TBBK● | The Bancorp, Inc. | 2 | 1 | 0 | 3 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.