The Bancorp Bank National Association
Sioux Falls, SD·RSSD 2858960·FDIC 35444·bank:2858960·Risk-based ratios where reported
- #3 of 58Total assets in South Dakota
- Top 4%Total assets in the U.S.
- 1offices
- 739employees
- Top 1%Lowest cost of deposits in the U.S.
- Top 1%Cost of deposits vs. peers
- Top 3%Return on assets in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at The Bancorp Bank National Association
8 of 24 FORFI signals stand out against 271 similar banks, based on FDIC data for the quarter.
Deposit costs among the lowest of similar banksStrength: Funding 2nd quarter0.12%peers 2.00%-188 bps
The Bancorp Bank National Association's cost of all deposits was 0.12%, compared with a median of 2.00% among 263 similar banks: lower than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 0.12% | 2.00% | -188 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bancorp Bank National Association itself is left out of every peer median and percentile. How signals work
Net interest margin narrowing while the peer median widensWorth a look: Earnings 2nd quarter5.54%peers 3.73%+181 bps
The Bancorp Bank National Association's net interest margin fell 65 bps over the past year to 5.54%. Among 264 similar banks, the median rose 18 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 5.54% | 3.73% | +181 bps |
| 12-month change | ||
| -65 bps | +18 bps | -83 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bancorp Bank National Association itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter96.0%+9.5 pp in 12 months
The Bancorp Bank National Association's loans rose to 96.0% of deposits, 9.5 percentage points higher than a year earlier, while cash fell to 0.9% of assets. The median change in the loan-to-deposit ratio among 268 similar banks was +0.4 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 96.0% | +9.5 pp in 12 months |
| Cash / assets | |
| 0.9% | -3.0 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bancorp Bank National Association itself is left out of every peer median and percentile. How signals work
Net charge-offs falling while the peer median holds steadyStrength: Asset quality 2nd quarter1.37%peers 0.05%+132 bps
The Bancorp Bank National Association's annualized net charge-off rate fell 91 bps over the past year to 1.37%. Among 261 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.37% | 0.05% | +132 bps |
| 12-month change | ||
| -91 bps | 0 bps | -91 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bancorp Bank National Association itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital9.09%peers 10.43%-1.3 pp
The Bancorp Bank National Association's leverage ratio fell 1.2 percentage points over the past year to 9.09%. Among 270 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 9.09% | 10.43% | -1.3 pp |
| 12-month change | ||
| -1.2 pp | +0.2 pp | -1.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bancorp Bank National Association itself is left out of every peer median and percentile. How signals work
3 more observations
- Borrowed funding rising while the peer median holds steadyFunding
- Fee and other noninterest income among the highest of similar banksEarnings
- Deposits shrinking while the peer median growsFunding
Key facts
- The Bancorp Bank National Association is a bank headquartered in Sioux Falls, South Dakota. It reported $9.2 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $7.5 billion, down 3.7% from a year earlier, and loans totaled $7.2 billion, up 7.0%.
- Its net interest margin was 5.54% and its annualized return on assets was 2.95% for the quarter.
- Its cost of all deposits was 0.12%, compared with a median of 2.00% among 263 similar banks with $3 billion to $10 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With The Bancorp Bank National Association's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- The Bancorp Bank National Association · Bank
- Federal Reserve RSSD
- 2858960
- FDIC certificate
- 35444
- Reporting period
- Peer group
- 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bancorp Bank National Association itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $70.22M | — | |
| $131.9M | — | |
| $5.35M | — | |
| $126.56M | — | |
| $73.01M | — | |
| $82.97M | — | |
| $26.13M | — | |
| $26.09M | — | |
| 2.95% | 2.94%ROAQ · Quarter | |
| 5.54% | 5.52%NIMYQ · Quarter | |
| 41.58% | 41.55%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.