The Bancorp (NASDAQ:TBBK) used its fourth-quarter and fiscal 2025 earnings call to outline progress across its fintech initiatives, improving credit metrics, and a new earnings outlook that implies a step-up in profitability over the next two years. Management also discussed the impact of several fourth-quarter headwinds, balance sheet strategy—including off-balance sheet deposit sweeps—and continued share repurchases. Management also discussed off-balance sheet deposit sweeps, noting the company exited the quarter with $400 million in off-balance sheet deposits. About Bancorp (NASDAQ:TBBK)The Bancorp, Inc (NASDAQ: TBBK) is a Delaware-chartered bank holding company that provides a range of banking and financial services to individuals, businesses, and financial institutions across the United States. Through its subsidiary, The Bancorp Bank, the company offers FDIC-insured deposit accounts, cash management solutions and specialized lending products.