The Bancorp, Inc. (TBBK) Q3 2025 Earnings Call Transcript

Operator

Good morning, ladies and gentlemen, and welcome to The Bancorp, Inc. Q3 2025 Earnings Conference Call. [Operator Instructions] This call is being recorded on Friday, October 31, 2025. I would now like to turn the conference over to Andres Viroslav. Please go ahead.

Andres Viroslav
Director of Investor Relations

Thank you, operator. Good morning, and thank you for joining us today for The Bancorp’s Third Quarter 2025 Financial Results Conference Call. On the call with me today are Damian Kozlowski, Chief Executive Officer; and Marty Egan, our Interim Chief Financial Officer. This morning’s call is being webcast on our website at www.thebancorp.com. There will be a replay of the call available via webcast on our website beginning at approximately 12:00 p.m. Eastern Time today. The dial-in for the replay is 1 (888) 660-6264 with the passcode of 37073.

Before I turn the call over to Damian, I would like to remind everyone that our comments and responses to your questions reflect management’s view as of today, October 31, 2025. Yesterday, we issued our third quarter earnings release and updated investor presentation. Both are available on our Investor Relations website. We will make certain forward-looking statements on this call. These statements are subject to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 and are subject to risks and uncertainties that could cause actual results to differ materially from the expectations and assumptions we mentioned today. These factors and uncertainties are