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Anchor Bank

Palm Beach Gardens, FL · Cert 57931 · Anchor Bcorp Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

5

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Anchor Bank

Palm Beach Gardens, FL · Cert 57931 · Anchor Bcorp Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

$805.5MAssets
$489.3MLoans
$656.4MDeposits
$66.5MEquity
Loan mix
90%RE $405.2M9%C&I $41.1M1%Consumer $3.8MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $486.6M26%Noninterest $169.8MQ3 2024Q2 2026

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #48 of 86 inst. · $0.5B of $348.8B

0.5% Palm Beach
11.1% Troup
0.0% Miami-Dade
0.1% Broward

Executive Summary

  • Earnings: ROA of 3.52%, up 259 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.15% of loans (-12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.85%, down 18 bps from a year ago.
  • Funding: loans stand at 74.55% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

3.52%+259 bps YoY

Net Interest Margin (YTD, annualized)

2.71%-25 bps YoY

Efficiency Ratio (YTD, annualized)

33.89%-2,427 bps YoY

Tier 1 Leverage Ratio

8.85%-18 bps YoY

NIM

5.57%Q2 ’245.40%Q2 ’254.91%Q2 ’26-2%-8%

Non-interest income vs. expense

2.58%Q2 ’242.10%Q2 ’252.20%Q2 ’26-36%-209%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.64%0.88%0.93%0.93%0.98%1.07%3.52%+259 bps
Return on Equity6.23%6.67%9.85%10.52%10.78%11.42%12.57%41.85%+3,133 bps
Net Interest Margin3.04%2.83%3.08%2.96%2.88%2.74%2.95%2.71%-25 bps
Efficiency Ratio72.80%69.54%61.66%58.16%57.64%57.74%57.92%33.89%-2,427 bps
Non-Interest Burden2.13%1.87%1.74%1.45%1.43%1.38%1.55%-1.58%-303 bps
Growth
Asset Growth (YoY)28.16%41.24%42.43%40.67%36.00%26.35%21.28%59.87%+1,920 bps
Loan Growth (YoY)16.39%33.16%28.91%25.21%32.26%19.96%24.69%32.99%+779 bps
Deposit Growth (YoY)40.64%51.24%60.37%48.14%48.55%32.73%20.50%69.38%+2,125 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.29%0.27%0.26%0.25%0.15%0.15%0.15%-12 bps
Net Charge-Offs / Loans0.06%0.05%0.00%0.02%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans0.56%0.58%0.61%0.75%0.75%0.75%0.74%0.68%-7 bps
Allowance Coverage of NPLs1.0x2.0x2.2x2.8x3.0x4.9x4.9x4.6x+1.8x
Capital
Tier 1 Leverage Ratio11.34%10.22%9.46%9.02%8.74%8.33%9.06%8.85%-18 bps
Total Risk-Based Capital11.34%10.22%9.46%9.02%8.74%8.33%9.06%8.85%-18 bps
Equity / Assets10.12%9.39%8.53%8.72%8.12%8.23%8.80%8.25%-46 bps
Liquidity & Funding
Loans / Deposits98.31%102.39%91.18%94.95%87.53%92.53%94.36%74.55%-2,040 bps
Liquid Assets / Assets18.04%14.89%15.89%12.30%14.89%15.43%9.28%10.32%-199 bps
CRE / Total Capitaln/an/an/an/a540%542%506%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Anchor Bank

Palm Beach Gardens, FL · Cert 57931 · Peer group: banks under $1B in assets (n=581-629) · Anchor Bcorp Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

$805.5MAssets
$489.3MLoans
$656.4MDeposits
$66.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 99% of banks under $1B in assets (rank 9 of 629).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets (rank 624 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.89%

Rank 42 of 629

Net Interest Margin

2.71%

Rank 543 of 629

Efficiency Ratio

33.89%

Rank 12 of 629

Equity / Assets

8.25%

Rank 542 of 629

Non-interest income vs. expense

$27.7M$16.1MINCOMEEXPENSE
Favorable gap of $11.6M · efficiency ratio beats 98% of banks under $1B in assets
Bank 33.89%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.89%0.60%1.01%1.45%Beats 93%42 / 629
Return on Equity35.02%5.38%9.30%13.28%Beats 99%9 / 629
Net Interest Margin2.71%3.03%3.54%4.05%Beats 14%543 / 629
Efficiency Ratio33.89%58.35%67.79%79.08%Beats 98%12 / 629
Asset Quality
Nonperforming Loans / Loans0.15%0.09%0.46%1.20%Beats 70%177 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 59%237 / 581
Capital
Tier 1 Capital Ratio8.85%11.24%13.84%18.77%Beats 1%623 / 629
Total Risk-Based Capital Ratio8.85%11.58%14.43%19.66%Beats 1%624 / 629
Equity / Assets8.25%9.09%10.65%13.80%Beats 14%542 / 629
Liquidity & Funding
Loans / Deposits74.55%67.24%80.90%93.48%38th pctl367 / 594
Loans / Assets60.75%53.31%67.71%78.15%35th pctl407 / 629
Brokered Deposits / Depositsn/aNot reported for this institution