ORCHID FINANCIAL BANCORP INC

nd the Company. Each year, participants may contribute on pre-tax and after-tax basis up to the Internal Revenue Service (IRS) maximum allowable limit, as defined in the Plan. The Company matches 50 % of the first 6 % of eligible compensation that a participant contributes to the Plan. Participants may also contribute amounts representing rollovers from other qualified plans. The Plan contains an automatic enrollment feature of 6 % . Discretionary amounts may be contributed at the option of the Company’s board of directors. There were no discretionary amounts contributed in 2025. Contributions are subject to certain limitations. 3. Participant Accounts Individual accounts are maintained for each participant. Each participant’s account is credited with the participant’s contributions and al

enefit that can be provided from the participant’s vested account. No discretionary employer contributions were made for the years ended 2025 and 2024. 4. Vesting Participants are immediately vested in their contributions plus actual earnings thereon. Vesting in the Company’s matching and discretionary contribution portion of their accounts plus actual earnings thereon is based on years of continuous service, as defined. A participant is 50 % vested after two years of service and 100 % vested after three years of service. Participants attaining their normal retirement age and those who become disabled or die are entitled to 100 % of their accrued benefits, regardless of credited service period. 7 The Bancorp, Inc. 401(k) Plan NOTES TO FINANCIAL STATEMENTS December 31, 2025 and 2024 5. Inve

eligible compensation that a participant contributes to the Plan. Participants may also contribute amounts representing rollovers from other qualified plans. The Plan contains an automatic enrollment feature of 6 % . Discretionary amounts may be contributed at the option of the Company’s board of directors. There were no discretionary amounts contributed in 2025. Contributions are subject to certain limitations. 3. Participant Accounts Individual accounts are maintained for each participant. Each participant’s account is credited with the participant’s contributions and allocation of (a) the Company’s matching and discretionary contributions (b) Plan earnings and is charged with (a) withdrawals and (b) allocation of administrative expenses and Plan losses. Allocations are based on partici

eceivable from participants 88,787 Contributions: Participant 7,907,217 Company 2,540,024 Rollover 1,820,694 Total contributions 12,267,935 Deductions: Benefit payments 11,855,650 Administrative expenses 143,389 Net Increase 22,450,810 Net assets available for benefits, beginning of year 120,083,345 Net assets available for benefits, end of year $ 142,534,155 6 The Bancorp, Inc. 401(k) Plan NOTES TO FINANCIAL STATEMENTS December 31, 2025 and 2024 NOTE A - DESCRIPTION OF THE PLAN The following brief description of The Bancorp, Inc. 401(k) Plan (the Plan) provides only general information. Participants should refer to the Plan document for a more complete description of the Plan’s provisions. 1. General The Plan is a defined contribution plan of The Bancorp, Inc. and its subsidiary (collecti