{"schema_version":"secwatch.filing_event.v1","accession":"0000950159-22-000188","form_type":"8-K","ticker":"TBBK","cik":"0001295401","company_name":"Bancorp, Inc.","filed_at":"2022-08-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:55.303733+00:00","generated_at":"2026-06-24T00:15:28.774034+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Bancorp updates 2022 EPS guidance to $2.25-$2.30; targets >$500M revenue and >22% ROE","bullets":["Q2 YTD 2022 ROE 18%, ROA 1.7%, efficiency ratio 50%.","2022 EPS guidance raised to $2.25-$2.30 from $1.88 in FY2021.","Long-term targets: revenue >$500M, ROE >22%, ROA >2%, leverage ratio 9%.","Loan portfolio $5.6B: institutional banking $2.4B, real estate bridge $1.9B, small business $0.7B, leasing $0.6B.","Fintech deposits drive low cost of funds (0.36% in Q2 2022); non-interest income 26% of revenue."],"urls":{"canonical":"https://secwatch.observer/filing/0000950159-22-000188","json":"https://secwatch.observer/filing/0000950159-22-000188.json","markdown":"https://secwatch.observer/filing/0000950159-22-000188.md","text":"https://secwatch.observer/filing/0000950159-22-000188.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1295401/000095015922000188/0000950159-22-000188-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1295401/000095015922000188/bancorp8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T00:15:28.774034+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}