The Bancorp Bank, National Association is a national bank headquartered in Sioux Falls, South Dakota, in business for about 26 years. At the end of Q2 2026 it reported $9.2B in total assets and $7.5B in deposits, with 1 office.
Based on its Q2 2026 filing, The Bancorp Bank, National Association scores 63/100, which we describe as moderate. That is higher than only 30% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in South Dakota, it ranks 45th. Its strongest component is earnings (100/100; 2.94%), and its lowest is capital cushion (41/100; 9.09%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (69 → 63), mostly because the capital cushion component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 75 |
| Q4 2024 | 73 |
| Q1 2025 | 73 |
| Q2 2025 | 69 |
| Q3 2025 | 63 |
| Q4 2025 | 66 |
| Q1 2026 | 64 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.21% |
| Q3 2024 | 10.94% |
| Q4 2024 | 10.38% |
| Q1 2025 | 9.79% |
| Q2 2025 | 10.33% |
| Q3 2025 | 9.85% |
| Q4 2025 | 9.70% |
| Q1 2026 | 9.18% |
| Q2 2026 | 9.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.79% |
| Q2 2025 | 1.24% |
| Q3 2025 | 1.62% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.23% |
| Q2 2026 | 1.33% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.05% |
| Q3 2024 | 2.98% |
| Q4 2024 | 2.90% |
| Q1 2025 | 2.80% |
| Q2 2025 | 2.90% |
| Q3 2025 | 2.90% |
| Q4 2025 | 2.81% |
| Q1 2026 | 2.87% |
| Q2 2026 | 2.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $9.2B | 9.09% | 1.33% | 2.94% | 95.1% |
| Q1 2026 | 64 | $9.9B | 9.18% | 1.23% | 2.87% | 92.6% |
| Q4 2025 | 66 | $9.3B | 9.70% | 1.31% | 2.81% | 87.9% |
| Q3 2025 | 63 | $8.6B | 9.85% | 1.62% | 2.90% | 90.9% |
| Q2 2025 | 69 | $8.8B | 10.33% | 1.24% | 2.90% | 85.7% |
| Q1 2025 | 73 | $9.4B | 9.79% | 0.79% | 2.80% | 78.1% |
| Q4 2024 | 73 | $8.7B | 10.38% | 0.87% | 2.90% | 81.1% |
| Q3 2024 | 75 | $8.1B | 10.94% | 0.71% | 2.98% | 88.4% |
| Q2 2024 | 78 | $8.1B | 11.21% | 0.60% | 3.05% | 81.5% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pathward, National AssociationBank Sioux Falls, SD | 50 out of 100, Below average | $7.3B | 9.9% | 5.28% | vs |
| Dacotah BankBank Aberdeen, SD | 55 out of 100, Moderate | $4.9B | 10.1% | 1.52% | vs |
| First Bank & TrustBank Brookings, SD | 70 out of 100, Strong | $4.8B | 10.4% | 0.42% | vs |
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |
| Sunrise Banks, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $2.8B | 10.2% | 1.34% | vs |
Deposit insurance
Is my money safe at The Bancorp Bank, National Association?
Yes. The Bancorp Bank, National Association is an FDIC-insured institution (FDIC certificate #35444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 2.8% of deposits ($212.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.09%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.32% (benchmark: 10%).
Identity & history
Profile
- Legal name
- The Bancorp Bank, National Association
- Former names
- The Bancorp.com Bank; The Bancorp Bank
- Type
- National bank
- FDIC certificate #
- 35444
- RSSD ID
- 2858960
- Primary regulator
- OCC
- Holding company
- Bancorp Inc the
- Established
- July 28, 2000
- Headquarters
- 345 N Reid Pl, Sioux Falls, SD 57103
- Website
- www.thebancorp.com
- Employees
- 739
Quick answers
The Bancorp Bank, National Association: common questions
Is The Bancorp Bank, National Association FDIC insured?
Yes. The Bancorp Bank, National Association is an FDIC-insured institution (FDIC certificate #35444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bancorp Bank, National Association's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Bancorp Bank, National Association ever failed?
There is no failure record for FDIC certificate #35444 in the FDIC failed bank list.
How many branches does The Bancorp Bank, National Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sioux Falls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security National Bank of South DakotaBank Dakota Dunes, SD | 93 out of 100, Very strong | $251.5M | 14.1% | 0.00% | vs |
| Merchants State BankBank Freeman, SD | 91 out of 100, Very strong | $219.6M | 17.3% | 0.32% | vs |
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| American Bank & TrustBank Sioux Falls, SD | 72 out of 100, Strong | $2.2B | 11.3% | 0.57% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |