Slide 1: The Bancorp Investor Presentation
The Bancorp Investor Presentation July 2026
Slide 2: Forward Looking Statements & Other Disclosures
Forward Looking Statements & Other Disclosures Statements in this presentation regarding The Bancorp, Inc.’s not limited to, the risks and uncertainties referenced or described in This presentation includes market, industry and economic (“The Bancorp”) business, that are not historical facts are The
Slide 3: Company Overview and Our Vision
Company Overview Our Vision We are defining the future of Fostering prosperity banking. Through our dynamic through the perpetual portfolio of payment, lending and platform solutions, we help propel our transformation clients’ success, while delivering value of banking to the investors we serve, the
Slide 4: Business Model and Strategy
Business Model and Strategy Leading fintech sponsor bank combined with specialized lending across our Credit Solutions businesses Program Sponsorship Real Estate Bridge Lending Prepaid, debit and credit cards for Focus on value-add multifamily nonbank companies assets in targeted markets Payment Ser
Slide 5: Financial Performance Expectations: APEX 2030
Financial Performance Expectations APEX 2030 strategic plan outlines the path to magnify our strong baseline earnings and deliver the financial performance of a fintech focused financial institution Annual EPS Growth (strategy) Established: 10%-15% APEX Maintain and grow sponsor bank market leadersh
Slide 6: Key Financial Metrics and Long-term Strategy
Key Financial Metrics and Long-term Strategy Q2 YTD Key Metric 2022 2023 2024 2025 Performance Long-term strategy 2026 Return on 19% 26% 27% 29% 35% ~3.0x banks1 and driven by 50%+ Increase profitability through equity growing Fintech Solutions and shift to fintech dominated Credit Solutions company
Slide 7: Earnings Per Share Trends
Earnings Per Share Trends1 Key initiatives accelerate our growth and set us on the path to achieving our Apex 2030 plan. (diluted) $9.00 $1.65-$1.75 Q4 2026 or $6.60-$7.00 $8.00 $8.10 - $8.30 run rate and $8.10-$8.30 in 2027. $7.00 $6.60 - $7.00 Key assumptions: $6.00 $5.95 - $6.05 • Fintech revenue
Slide 8: Fintech Solutions Overview
Fintech Solutions Overview Experienced fintech experts who combine Key Statistics urgency with rigor, leveraging technology, $1T+ industry knowledge, creative expertise and Total payment regulatory acumen to partner with volume1 fintech innovators. $196B Program Sponsorship Debit, credit, and prepai
Slide 9: Fintech Solutions
Fintech Solutions Product overview $8.1B Deposits1 $106mm $23mm $21mm (96% total bank deposits) TTM Fee Income TTM Fee Income TTM Fee Income Program Payment Sponsored Sponsorship + Services + Lending = $150mm • 15+ Distinct consumer and • Full-spectrum suite of • Origination of multiple credit Fee I
Slide 10: Fintech Strategic Partner of Choice
Fintech Strategic Partner of Choice The Bancorp is well positioned to compete across core sponsorship, embedded finance and sponsored lending Shared Foundation What powers We support full product Partner focused Compliance Product expertise across all three life cycle with urgent, infrastructure bui
Slide 11: Fintech Platform Scale Drivers of Operating Leverage
Fintech Platform Scale Drivers of Operating Leverage Our platform enables growth in volume, products and risk management and delivers positive operating leverage Transaction Scale + Ecosystem Connectivity FTS Operating Leverage and Expense per $ thousand of GDV1 Large and growing sponsor bank with u
Slide 12: Credit Solutions Overview
Credit Solutions Overview Balance mix and interest rates Credit Solutions Loans Business Overview Strategy Q2 Yield ($ billions) $7.0 Fleet vehicle leasing across Deliver strong yields, fee $6.0 $5.8 $6.2 $6.2 Commercial Fleet Leasing commercial and government entities income and moderate balance sh
Slide 13: Strategic Balance Sheet Transition
Strategic Balance Sheet 2-4x Return on assets vs traditional lending model Transition Illustrative marginal ROA opportunity Traditional Lending Sponsored Lending Share of Gross Yield (%) Share of Gross Yield (%) Interest Income 4%-8% Lending Fees ~2% Transaction Fees 1 Revenue Funding Provision Orig
Slide 14: Securities Portfolio Liquidity
Securities Portfolio Liquidity Carefully crafted portfolio focused on fixed rates with Largely comprised of granular, transaction related a 4.3 year duration1 deposits with significant unused borrowing capacity Est. ~$160mm principal rolloff annually for the next 3 years $8.1B Fair Value ($ millions
Slide 15: Trailing-Twelve-Month Earnings Per Share
Trailing-Twelve-Month Earnings Per Share TTM EPS by quarter, 2021 – 2026 YTD Earnings per Share TTM ($) $6.00 $5.32 $5.14 $4.92 $5.00 $4.79 Consistent Growth $4.65 $4.43 $4.29 $3.96 $4.00 $3.84 $3.68 $3.40 $3.49 $3.00 $3.02 EPS growth momentum has $2.66 $2.27 $2.00 $1.60 $1.75 $1.83 $1.88 $1.94 $1.9
Slide 16: Return on Equity vs Market Benchmarks
Return on Equity vs Market Benchmarks The Bancorp, KBW Regional Banks, and Select Peers ROE Performance1 40% 35% 29% 30% 27% 26% 20% 18% 19% The Bancorp 15% 17% Select Peers2 has increased its 11% 12% profitability 10% 7% 9% KBW Regional Bank Index every year since 2017 0% 2017 20183 2019 2020 2021
Slide 17: Stock Performance vs Market Benchmarks
Stock Performance vs Market Benchmarks The Bancorp, S&P 500, NASDAQ, and KBW Bank indices % Change in Stock Price1 300% 250% 172% 200% CAGR TBBK 10% 1-Year 150% 24% 3-Year The Bancorp has significantly 22% 5-Year 100% outperformed both broad 50% 81% NASDAQ market indices 75% S&P 500 and the KBW 0% 4
Slide 18: Appendix
Appendix © The Bancorp | Investor Presentation, July 2026 18
Slide 19: Non-GAAP Financial Measures
Non-GAAP Financial Measures We use certain financial measures which are not calculated and presented in accordance with U.S. generally accepted accounting principles (“GAAP”). These measures are focused on adjusting certain metrics used to measure our performance to exclude the impact of Non-interes
Slide 20: Reconciliation to Non-GAAP Measures
Reconciliation to Non-GAAP Measures ($ in thousands, except expense per $ GDV metric) 2021 2022 2023 2024 2025 2026 YTD Financial metrics Prepaid, debit and credit card gross $ 104,415,457 $ 114,532,981 $ 133,052,546 $ 152,637,453 $ 178,211,647 $ 105,965,729 dollar volume (GDV) Non-GAAP financial me
Slide 21: Non-GAAP Reconciliation – Segment Results
Non-GAAP Reconciliation – Segment Results Six Months Ended Jun 30, 2026 (in thousands) For the year ended December 31, 2025 (in thousands) Credit Solutions Credit Solutions Institutional Institutional Fintech REBL Banking Commercial Corporate Total Fintech REBL Banking Commercial Corporate Total Int
Slide 22: Non-GAAP Reconciliation – Segment Results
Non-GAAP Reconciliation – Segment Results For the year ended December 31, 2024 (in thousands) For the year ended December 31, 2023 (in thousands) Credit Solutions Credit Solutions Institutional Institutional Fintech REBL Banking Commercial Corporate Total Fintech REBL Banking Commercial Corporate To
Slide 23: Non-GAAP Reconciliation – Segment Results
Non-GAAP Reconciliation – Segment Results For the year1 ended December 31, 2022 (in thousands) For the year2 ended December 31, 2021 (in thousands) Credit Solutions Specialty Institutional Finance Payments (Credit Fintech REBL Banking Commercial Corporate Total (Fintech) Solutions) Corporate Discont