BlastPoint's Banking Scorecard

The Bancorp Bank, National Association

$1B-$10B Specialty: Commercial SD FDIC cert 35444

Sioux Falls, SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
Deposits -3.7% year over year ($7.5B on the books).
Delinquency rate 1.34%.
Return on assets 2.94%.
Efficiency ratio 41.28% vs a 59.73% peer average.
Loan-to-deposit ratio 95.15% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in SD

View $1B-$10B leaderboard (SD) →

The Bancorp Bank, National Association has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 3.8% in tier
+ Revenue Diversifier: Top 5.4% in tier
+ Profitability Leader: Top 39.6% in tier
+ Efficiency Ratio 18.44% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 32.3% in tier
- Liquidity Strain: Bottom 39.9% in tier
- Capital Constraint: Bottom 68.8% in tier
- Nonperforming Asset Ratio 1.04% above tier average

Get updates when The Bancorp Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$9.2B +4.3% YoY -7.0% QoQ	+$6.4B	$2.8B -0.6% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	Top 1.7% in tier
Total Loans ?	$7.1B +7.0% YoY -8.9% QoQ	+$5.2B	$2.0B -0.3% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	Top 0.9% in tier
Total Deposits ?	$7.5B -3.7% YoY -11.3% QoQ	+$5.2B	$2.3B -0.5% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	Top 1.8% in tier
Return on Assets ?	2.94% +1.3% YoY +2.3% QoQ	+1.55%	1.39% +17.0% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	Top 2.3% in tier
Net Interest Margin ?	5.49% -9.2% YoY +3.0% QoQ	+1.62%	3.87% +6.2% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	Top 3.1% in tier
Efficiency Ratio ?	41.28% +4.8% YoY +0.7% QoQ	-18.44%	59.73% -12.6% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	Top 8.6% in tier
Delinquency Rate ?	1.34% +7.1% YoY +8.0% QoQ	+0.47%	0.87% +11.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	95.15% +11.0% YoY +2.7% QoQ	+10.11%	85.04% -0.1% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	26%
Non-Interest-Bearing Deposit Share ?	94.93% +1.8% YoY +1.3% QoQ	+73.66%	21.27% -1.5% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	Top 0.3% in tier
Nonperforming Asset Ratio ?	1.71% +1.1% YoY +7.2% QoQ	+1.04%	0.67% +11.7% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	Bottom 8.1% in tier
Tier 1 Capital Ratio ?	14.27% -9.7% YoY +1.5% QoQ	-0.57%	14.84% -0.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	67%
Non-Interest Income / Assets ?	1.58% -16.6% YoY +115.8% QoQ	+1.05%	0.53% +2.5% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	Top 3.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Noninterest-Bearing	94.9% +1.7pp YoY +1.2pp QoQ	+73.6pp	21.4%	23.5%	22.2%	100%
Brokered Deposits	2.0% -3.9pp YoY -1.6pp QoQ	-7.5pp	9.5%	8.7%	8.5%	27%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	11.0% -0.3pp YoY +0.9pp QoQ	-3.0pp	14.0%	14.1%	12.5%	48%
CRE	43.9% -2.3pp YoY +3.4pp QoQ	-6.1pp	50.0%	31.5%	41.4%	33%
1-4 Family	0.2% 0.0pp YoY 0.0pp QoQ	-26.2pp	26.4%	14.9%	31.3%	1%
Consumer	36.3% +3.7pp YoY -5.0pp QoQ	+31.6pp	4.7%	8.5%	5.0%	97%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	14.3% -1.5pp YoY +0.2pp QoQ	-1.3pp	15.6%	17.6%	19.7%	62%
Leverage Ratio	9.1% -1.2pp YoY -0.1pp QoQ	-2.2pp	11.3%	11.9%	12.6%	14%
Total Capital Ratio	15.3% -1.5pp YoY +0.2pp QoQ	-1.4pp	16.7%	18.8%	20.8%	61%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	739 -44 (-5.6%) YoY +1 (+0.1%) QoQ	+425	313	6,279	482	93%
Assets per Employee ($)	$12.5M +10.5% YoY -7.1% QoQ	+$2.0M	$10.5M	$8.1M	$8.8M	80%
Branch Count	1 0 YoY 0 QoQ	-19	20	92	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% 0.0pp YoY 0.0pp QoQ	+0.1pp	0.2%	0.2%	0.4%	88%
Nonaccrual	1.1% +0.1pp YoY +0.1pp QoQ	+0.3pp	0.8%	1.0%	1.0%	77%
Allowance Coverage	0.66x -6.7% YoY +2.3% QoQ	-18.05x	18.71x	96.54x	20.23x	10%
Net Charge-off Rate (YTD)	1.5% -0.8pp YoY -0.1pp QoQ	+1.2pp	0.3%	0.7%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	31.8% +3.2pp YoY +0.1pp QoQ	+19.2pp	12.6%	12.4%	11.6%	98%
Cost of Funds (YTD)	0.3% -0.2pp YoY 0.0pp QoQ	-1.7pp	1.9%	1.7%	1.7%	1%
Net Income ($, YTD)	$139.3M +7.1% YoY — QoQ	+$120.1M	$19.2M	$418.8M	$40.4M	99%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Deposit Franchise

growth

#4 of 80 • Top 3.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 94.93%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.49%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ

Revenue Diversifier

growth

#13 of 222 • Top 5.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.58%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 2.94%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Profitability Leader

growth

#89 of 222 • Top 39.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.94%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk

#131 of 402 • Bottom 32.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#145 of 361 • Bottom 39.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.15%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Capital Constraint

risk

#23 of 32 • Bottom 68.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 95.15%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 14.27%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

32 of 32 Mid-Market banks match · 143 nationally

→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (8 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 94.93%

Peer Median: 21.27%

#4 of 885 Top 0.3% in $1B-$10B

Total Loans

size

Value: $7.12B

Peer Median: $1.96B

#9 of 885 Top 0.9% in $1B-$10B

Total Assets

size

Value: $9.21B

Peer Median: $2.79B

#16 of 885 Top 1.7% in $1B-$10B

Total Deposits

size

Value: $7.49B

Peer Median: $2.32B

#17 of 885 Top 1.8% in $1B-$10B

Return on Assets

profitability

Value: 2.94%

Peer Median: 1.39%

#21 of 885 Top 2.3% in $1B-$10B

Net Interest Margin

profitability

Value: 5.49%

Peer Median: 3.87%

#28 of 885 Top 3.1% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 1.58%

Peer Median: 0.53%

#33 of 885 Top 3.6% in $1B-$10B

Efficiency Ratio

profitability

Value: 41.28%

Peer Median: 59.73%

#77 of 885 Top 8.6% in $1B-$10B

Top Weaknesses (2 metrics)

814

Nonperforming Asset Ratio

credit_quality

Value: 1.71%

Peer Median: 0.67%

#814 of 885 Bottom 8.1% in $1B-$10B

709

Delinquency Rate

credit_quality

Value: 1.34%

Peer Median: 0.87%

#709 of 882 Bottom 19.7% in $1B-$10B