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The Bancorp TBBK Institutional Banking — Interest Allocation

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TFINBanking — Intersegment interest allocations
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UMBFInstitutional Banking — Goodwill
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UMBFInstitutional Banking — Revenue
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CFFICommunity Banking — Interest Income Expense Allocation
$5.78M+0.5%
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CFFIMortgage Banking — Interest Income Expense Allocation
-$232K-222%

Other financials

Income statement

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Revenue$163.5M-9.8%
Net income$60.7M+1.4%
EPS (diluted)$1.45+14.2%

Balance sheet

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Cash & equivalents$80.1M-76.5%
Total debt$748.3M+5,284%
Total equity$705.4M-18.0%
Total assets$9.2B+4.3%

Cash flow

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Operating cash flow$34.9M-31.0%
CapEx$466.0K-8.1%
Free cash flow$34.4M-31.2%

Valuation

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Market cap$2.95B+1.5%
Enterprise value$3.61B+40.2%
P/E12.7×-0.2×
P/S4.4×-0.1×

Profitability

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Gross margin100%
Net margin34.5%-0.4pp
FCF margin52.2%+11.7pp

Returns & leverage

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Return on equity29.6%+2.2pp
Debt / equity1.1×+1.0×

Where this comes from

Reported directly by The Bancorp in its filing.

Tagged under the XBRL concept tbbk:InterestAllocation.

The source filing: The Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 2:21 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-054157
Line itemFintechCredit Solutions / REBLCredit Solutions / Institutional BankingCredit Solutions / CommercialCorporateTotal
Interest income$2,834$45,103$29,104$32,883$22,125$132,049
Interest allocation63,802(24,265)(18,502)(17,894)(3,141)
Interest expense32,8971,226107,45041,583
Net interest income33,73920,8389,37614,97911,53490,466
Provision for credit losses(1)25,765(294)601,071(513)26,089
Non-interest income(1)67,3662,7727331,92924073,040
Direct non-interest expense:
Salaries and employee benefits4,8751,2037764,67825,89437,426

Item 1. Financial Statements

FAQ

What is The Bancorp's institutional banking — interest allocation?
The Bancorp (TBBK) reported institutional banking — interest allocation of -$18.5M in Q2 2026.
How has The Bancorp's institutional banking — interest allocation changed year-over-year?
The Bancorp's institutional banking — interest allocation decreased by 11.6% year-over-year, from -$16.58M to -$18.5M.
What is the long-term trend for The Bancorp's institutional banking — interest allocation?
Over 2 years (2022 to 2025), The Bancorp's institutional banking — interest allocation has grown at a -10.7% compound annual growth rate (CAGR), from -$82.41M to -$65.71M.
What does institutional banking — interest allocation mean?
Reflects the internal transfer pricing mechanism used to allocate interest costs or credits to the institutional banking segment based on its funding requirements. It serves to normalize the segment's profitability by accounting for the cost of capital deployed in its operations.

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