8-K/A

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K/A

(Amendment No. 1)

Current Report

Pursuant to Section 13 or 15(d) of the SecuritiesExchange Act of 1934

Date of Report (Date of earliest event reported):March 4, 2025

The Bancorp, Inc.

(Exact name of registrant as specified in its charter)

Commission File Number: 000-51018

409 Silverside Road

Wilmington, DE 19809

(Address of principal executive offices, includingzip code)

302-385-5000

(Registrant’s telephone number, includingarea code)

(Former name or former address, if changed sincelast report)

Check the appropriate box below if the Form 8-K filing is intendedto simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[_] Written communications pursuant to Rule 425 under the SecuritiesAct (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) underthe Exchange Act (17 CFR 240.14d-2(b))

[_] Pre-commencement communications pursuant to Rule 13e-4(c) underthe Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant is an emerging growthcompany 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 registranthas elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuantto Section 13(a) of the Exchange Act. [ ]

The Company expects to record an adjustment to the allowance for loan losses and provision expense associated with consumer fintech loans outstanding at the end of the period, and record a like amount, to the consumer fintech loan credit enhancement on the balance sheet and non-interest income, with no net income impact.  There was no impact to the financial statements for the fiscal years ended December 31, 2023 and December 31, 2022.

The Company is continuing to evaluate its conclusions regarding disclosure controls and procedures, and internal control over financial reporting. A review by the Audit Committee of the Company’s Board of Directors is also being conducted.

Cautionary Statement RegardingForward-Looking Statements

This Current Report on Form 8-K/Amay 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 futureevents based on certain assumptions and include any statement that does not directly relate to any historical or current fact. Sentencescontaining 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-lookingstatements in this Current Report are based on management's current expectations and assumptions about future events that involveinherent risks and uncertainties and may concern, among other things, the Company’s expectations relating to its reserves for certainconsumer fintech loans and the impact on the Company’s operations, controls and financials as a result of the review. While theCompany 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’scontrol. 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.