Financial Services
The Bancorp, Inc. (TBBK)
Data as of July 17, 2026
Environment story
The Bancorp operates as a financial holding company and has not disclosed Scope 1, 2, or 3 emissions metrics, renewable energy percentages, or net-zero targets. As a bank with primarily digital/payment processing operations, direct operational carbon footprint is likely modest compared to manufacturing or energy-intensive sectors. However, the absence of any environmental disclosures, climate commitments, or sustainability reporting prevents substantive ESG assessment. No material environmental controversies or resource-depletion issues identified in available filings. Score reflects baseline penalty for undisclosed emissions and absent decarbonization targets.
Criticisms on file
No material criticisms on file for this pillar.
Disclosed initiatives
No disclosed initiatives on file for this pillar.
Social story
The Bancorp has not disclosed CEO-to-median-worker pay ratios, workforce diversity percentages, executive-leadership diversity metrics, or formal diversity/inclusion programs in the 10-K. No documented union activity, strikes, NLRB complaints, or active labor disputes identified in the filing. The company does not disclose turnover rates or comprehensive DEI initiatives. Supply-chain social-risk audits are not mentioned; fintech partnerships present third-party compliance and labor-practice oversight risks, but no specific violations reported. Absence of transparency on compensation equity, leadership diversity, and human-capital metrics limits assessment. Score reflects neutral stance absent adverse labor issues but penalized for lack of proactive social disclosures.
Criticisms on file
No material criticisms on file for this pillar.
Disclosed initiatives
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Third-Party Compliance and OversightCompany maintains contractual agreements with fintech partners for marketing and servicing of loans; includes indemnification and credit-enhancement provisions to mitigate third-party compliance risks.Partial mitigation of third-party labor and conduct risks through contractual governance, but limited independent audit disclosures.
Governance story
The Bancorp operates under standard banking regulatory frameworks (OCC, FDIC, CFPB oversight). No dual-class share structure identified; single-class common stock. Board independence percentage not explicitly disclosed in filing. Company identified and remediated material weaknesses in internal controls over financial reporting as of December 31, 2024 (disclosure controls and credit-enhancement accounting deficiencies), with management's conclusion of effectiveness as of December 31, 2025. No active antitrust proceedings, significant financial-fraud litigation, or SEC enforcement actions disclosed. Lobbying expenditures and PAC contributions not reported in 10-K. Company subject to heightened regulatory scrutiny due to fintech-partnership models and third-party risk management; regulatory agencies have increased focus on bank-fintech partnerships. Anti-takeover provisions exist (Delaware Section 203 and certificate/bylaw provisions). Governance score reflects adequate regulatory compliance framework but absence of proactive disclosures on board independence, lobbying, and political contributions.
Criticisms on file
No material criticisms on file for this pillar.
Disclosed initiatives
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Cybersecurity Program (NIST CSF Aligned)Company maintains comprehensive cybersecurity program mapped to NIST Cybersecurity Framework, PCI DSS, and CIS Critical Security Controls. 24/7 Security Operations Center established in 2023. Regular penetration testing, vulnerability assessments, and third-party vendor management conducted. CISO reports to Risk Committee quarterly and Board annually.Proactive governance of information security and third-party risk; reduces operational and reputational risk from cyber incidents.
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Internal Controls RemediationCompany identified and remediated material weaknesses in disclosure controls and internal controls over financial reporting related to closing procedures and accounting for fintech credit-enhancement agreements (as of December 31, 2025).Enhanced financial reporting integrity and reduced likelihood of future disclosure failures.
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Risk Management FrameworkEnterprise-wide risk management framework includes asset quality, liquidity, market sensitivity, operational, regulatory, and third-party vendor relationship risk assessment. CRO and Chief Risk Management function oversee policy and procedures.Systematic governance of material business and regulatory risks across the institution.
These are Missionomics' own editorial scores — directional signals built from disclosed facts under a published method, not certifications or definitive ratings of The Bancorp, Inc.. Coverage and confidence vary by data point, and figures can lag real-world changes. Read the full Methodology for sourcing, scoring, and correction details — or open The Bancorp, Inc. in the app for interactive charts and portfolio building.
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