Bancorp, Inc.

APPENDIX

31 REVENUE & EFFICIENCY RATIO CALCULATIONS APPENDIX ($ millions) Q2 YTD 2025 Q2 YTD 2024 2024 2023 2022 2021 The Bancorp $ 189,235 $ 188,213 $ 376,241 $ 354,052 $ 248,841 $ 210,876 Net interest income 167,385 60,104 157,514 112,094 105,683 104,749 Non - interest income 89,101 - 30,651 - - - Consumer fintech credit enhancement (subtract) 78,284 60,104 126,863 112,094 105,683 104,749 Adjusted non - interest income 1 267,519 248,317 503,104 466,146 354,524 315,625 Total revenue 1 $ 110,517 $ 98,158 $ 203,225 $ 191,042 $ 169,502 $ 168,350 Non - interest expense 41% 40% 40% 41% 48% 53% Efficiency Ratio 2 Payments non - interest income (Fintech Solutions business line) $ 10,694 $ 5,964 $ 14,596 $ 9,822 $ 8,935 $ 7,526 ACH, card, and other payment processing fees 51,827 49,041 97,413 89,417 77,236 74,654 Prepaid, debit card, and related fees 7,570 140 4,789 - - - Consumer credit fintech fees $ 70,091 $ 55,145 $ 116,798 $ 99,239 $ 86,171 $ 82,180 Total payments (Fintech Solutions) non - interest income 1 26% 22% % of Total revenue 1 Excludes consumer fintech loan credit enhancement income of $89.1 million and $30.7 million at June 30, 2025 and December 31, 20 24, respectively. 2 The efficiency ratio is calculated by dividing GAAP total non - interest expense by the total of GAAP net interest income and adju sted non - interest income. This ratio compares revenues generated with the amount of expense required to generate such revenues and may be used as one measure of overall efficiency.