The Bancorp宣布重组SBL业务并裁撤9%岗位，预计年化节省1400万美元

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form
8-K
Current Report
Pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934
Date of Report (Date of earliest event reported):
September 1, 2026
The Bancorp, Inc.
(Exact name of registrant as specified in its charter)
Commission File Number:
000-51018
Delaware
23-3016517
(State or other jurisdiction of
(IRS Employer
incorporation)
Identification No.)
409 Silverside Road
Wilmington
,
DE
19809
(Address of principal executive offices, including
zip code)
302
-
385-5000
(Registrant’s telephone number, including
area code)
(Former name or former address, if changed since
last report)
Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
[_]
Written communications pursuant to Rule 425 under the Securities
Act (17 CFR 230.425)
[_]
Soliciting material pursuant to Rule 14a-12 under the Exchange
Act (17 CFR 240.14a-12)
[_]
Pre-commencement communications pursuant to Rule 14d-2(b) under
the Exchange Act (17 CFR 240.14d-2(b))
[_]
Pre-commencement communications pursuant to Rule 13e-4(c) under
the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading
Symbol(s)
Name of each exchange on which registered
Common Stock, par value $1.00 per share
TBBK
Nasdaq
Global Select
Indicate by check mark whether the registrant is an emerging growth
company as defined in Rule 405 of the Securities Act of 1933 (§230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2).
[_]
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant
has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant
to Section 13(a) of the Exchange Act. [_]
Item 2.05. Costs Associated with Exit or Disposal Activities.
On September 1, 2026, The Bancorp Bank, N.A. (the “Bank”),
a wholly owned subsidiary of The Bancorp, Inc. (the “Company”), implemented an organizational restructuring to further align
its resources and business with the Company’s strategic priorities (the “Restructuring”). As part of the Restructuring,
the Bank intends to discontinue the origination of retail and wholesale Small Business Lending (“SBL”) loans by the end of
2026, and focus on managing its existing SBL loan portfolio. In connection with these changes to the SBL business and broader business
needs across other departments, the Bank is also implementing staffing reductions. The Restructuring will eliminate 64 currently filled
positions across the organization, representing approximately 9% of the Bank’s workforce.
The Company currently estimates that it will incur approximately $5.6
million in charges in connection with the Restructuring, consisting primarily of cash expenditures for severance payments, employee benefits,
outplacement services, retention payments, and other related costs. The Company expects to recognize $4.5 million of these charges in
the third quarter of 2026 and to substantially complete the Restructuring by the end of the fourth quarter of 2026. The Restructuring,
together with 16 additional positions unrelated to the Restructuring that, since June 2026, have been, or are expected to be, vacated
and not backfilled, is expected to generate approximately $14 million in annualized run-rate savings. Combined with the Bank’s previously
disclosed efforts to reorganize the Institutional Banking business in the fourth quarter of 2025, the Company expects it will generate
over $20 million in annualized run-rate savings.
The Company may incur additional expenses not currently contemplated
as a result of events associated with the Restructuring.
Item 5.02. Departure of Directors or Certain Officers; Election
of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.
In connection with the Restructuring, Jeff
Nager, the Bank’s Head of Commercial Lending, is expected to depart the Bank on October 1, 2026. The Company thanks Mr. Nager for
his years of service.
Pursuant to the terms of restricted stock
unit awards granted under the Company’s 2020 Equity Incentive Plan and 2024 Equity Incentive Plan, Mr. Nager’s 38,583 unvested
restricted stock units in the Company will expire and be forfeited upon his departure. Under the Restructuring, Mr. Nager may be eligible
to receive severance in connection with his departure. As of the date of this Current Report on Form 8-K, the Company and Mr. Nager have
not yet finalized the terms of Mr. Nager’s severance arrangement in connection with his expected departure from the Bank.
Item 7.01. Regulation FD Disclosure.
On September 4, 2026, the Company issued
a press release announcing the Restructuring. A copy of this press release is furnished with this report as Exhibit 99.1.
The information included in this Item
7.01, including the exhibit hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of
the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section. The information in this Item
7.01, including the exhibit hereto, shall not be incorporated by reference into any registration statement or other document pursuant
to the Securities Act of 1933, as amended, except as otherwise stated in such filing.
Item 9.01. Financial Statements and Exhibits.
(d) Exhibits
99.1
Press Release
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
Cautionary Statement Regarding Forward-Looking
Statements
This Current Report on Form 8-K may contain
“forward-looking” statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and Section
27A of the Securities Act of 1933, as amended. Forward-looking statements provide management’s current expectations of future events
based on certain assumptions and include any statement that does not directly relate to any historical or current fact. Sentences containing
words such as “believe,” “intend,” “plan,” “may,” “expect,” “should,”
“could,” “anticipate,” “estimate,” “predict,” “project,” or their negatives,
or other similar expressions of a future or forward-looking nature generally should be considered forward-looking statements. Forward-looking
statements in this Current Report, such as statements relating to the amount of charges and savings from the Restructuring, including
the anticipated annualized run-rate savings, and the timing of employee departures and completion of the Restructuring, are based on management’s
current expectations and assumptions about future events that involve inherent risks and uncertainties. While the Company considers these
expectations and assumptions to be reasonable, they are inherently subject to significant business, economic, competitive, regulatory,
and other risks and uncertainties, most of which are difficult to predict and many of which are beyond the Company’s control. Actual
results may differ materially from such expectations and estimates. The Company undertakes no obligation to review or update any forward-looking
statements, whether as a result of new information, future events or otherwise, unless required by law.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: September 4, 2026
THE BANCORP, INC.
By:
/s/
Dominic C. Canuso
Name:
Dominic C. Canuso
Title:
EVP, Chief Financial Officer

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EX-99.1
2
ex99-1.htm
THE BANCORP ADVANCES APEX 2030
Exhibit 99.1
The Bancorp Advances Apex 2030
Through Continued Organizational Alignment
WILMINGTON, Delaware, September 4, 2026 – The Bancorp Bank, N.A., a wholly
owned subsidiary of The Bancorp, Inc. (NASDAQ: TBBK), today announced the next phase of its ongoing efforts to align its business priorities,
operating model, and resources with Apex 2030, its long-term strategic plan.
The Bancorp is restructuring its Small Business Lending business line (“SBL”)
and intends to discontinue retail and wholesale new originations by the end of 2026, while continuing to responsibly manage and serve
existing SBL customers and the loan portfolio. In addition, staffing adjustments were made across several other areas of the organization
as it continues to refine workflows, expand automation and artificial intelligence, optimize costs and allocate capital with discipline
and invest in its highest-value strategic priorities.
In connection with these changes, the restructuring will eliminate 64 currently
filled positions across the organization, or 9% of the enterprise-wide workforce, and the Company currently estimates that it will incur
approximately $5.6 million in charges in connection with the restructuring, consisting primarily of cash expenditures for severance payments,
employee benefits, outplacement services, retention payments, and other related costs. The Company expects to recognize $4.5 million of
these charges in the third quarter. Separate from the 64 positions eliminated in the restructuring, 16 additional positions have been,
or are expected to be, vacated and not backfilled. The discontinuance of these 80 positions is expected to generate approximately $14
million in annualized run-rate savings. Combined with the efforts to reorganize the Institutional Banking business in the fourth quarter
of 2025, the Company expects it will generate over $20 million in annualized run-rate savings.
“We have a clear strategic map of where The Bancorp is headed and are
making these changes consistent with our fintech pipeline and growth expectations,” said Damian Kozlowski, Chief Executive Officer
for The Bancorp. “Advancing Apex 2030 requires us to align our people, capital and technology with the opportunities that offer
the greatest potential to create durable value. By simplifying how we operate and building a more focused, technology-enabled organization,
we can move faster, serve our partners more effectively and sustain strong performance over the long term. We recognize that these changes
affect valued colleagues, and we are grateful for their contributions to The Bancorp.”
About The Bancorp
The Bancorp, Inc. (NASDAQ: TBBK), through its subsidiary, The Bancorp Bank,
N.A., is defining the future of banking. As one of the first banks to embrace fintech, The Bancorp has been a driving force behind the
industry’s evolution, serving as an essential financial enabler of fintech innovation for more than 25 years. Led by its Fintech
Solutions business, the company delivers a dynamic portfolio of payment and lending solutions that empowers its clients to turn bold ideas
into real-world success.
Ranked by the Nilson Report as the No. 1 issuer of prepaid cards in the U.S.
and among the top 10 commercial card issuers, The Bancorp also provides credit solutions through its Institutional Banking, Fleet Management
Services, and Real Estate Bridge Lending businesses. Across every line of business, The Bancorp fosters prosperity through the perpetual
transformation of banking and aims to drive growth for its clients, investors, employees, and the communities it serves.
For more information, visit thebancorp.com.
Forward-Looking Statements
Statements in this press release that are not historical facts are “forward-looking statements” within the meaning of Section
21E of the Securities Exchange Act of 1934, as amended, and Section 27A of the Securities Act of 1933, as amended. Forward-looking statements
provide management’s current expectations of future events based on certain assumptions and include any statement that does not
directly relate to any historical or current fact. Sentences containing words such as “believe,” “intend,” “plan,”
“may,” “expect,” “should,” “could,” “anticipate,” “estimate,”
“predict,” “project,” or their negatives, or other similar expressions of a future or forward-looking nature generally
should be considered forward-looking statements. Forward-looking statements in this press release, such as statements relating to the
amount of charges and savings from the restructuring, including the anticipated annualized run-rate savings, and the timing of employee
departures and completion of the restructuring, are based on management’s current expectations and assumptions about future events
that involve inherent risks and uncertainties. While the Company considers these expectations and assumptions to be reasonable, they are
inherently subject to significant business, economic, competitive, regulatory, and other risks and uncertainties, most of which are difficult
to predict and many of which are beyond the Company’s control. The Company undertakes no obligation to review or update any forward-looking
statements, whether as a result of new information, future events or otherwise, unless required by law.
###
Media Relations
Rachel Brick
Director of Strategic Communications
(302) 385-5410
rbrick@thebancorp.com
Investor Relations
Dominic C. Canuso, EVP, Chief Financial Officer
The Bancorp
(302) 385-5220
dcanuso@thebancorp.com
Source: The Bancorp, Inc.