The Bancorp, the Delaware holding company whose bank issues cards and accounts for fintech programmes, reported third-quarter 2026 net income of $62.8 million, or $1.53 a diluted share, up 29.7%, with a return on equity of 36.0%, according to The Bancorp Q3 2026 results on 29 October 2026. Fintechbits checked the FDIC’s records: The Bancorp Bank, National Association, of Sioux Falls, South Dakota, held $9.21 billion in total assets at 30 June 2026, slightly more than the $8.5 billion Fintechbits found for Cross River Bank. Total fintech fees rose to $41.8 million from $35.1 million a year earlier.

Guidance out to 2028

Chief executive Damian Kozlowski kept 2026 core EPS guidance at $5.95 to $6.05, set a 2027 baseline of $7.00 to $7.20 and started 2028 guidance at $8.00 to $8.20, all including buybacks of $200 million in 2026. Net interest margin slipped to 3.75% from 4.45% a year earlier, so fee income is doing more of the work than lending spreads. Sponsor banks lean on fintech deposits, as Fintechbits found in its look at business deposits at sponsor banks.