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

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.93%	0.93%	0.98%	1.07%	3.52%	+259 bps
Return on Equity	10.52%	10.78%	11.42%	12.57%	41.85%	+3,133 bps
Net Interest Margin	2.96%	2.88%	2.74%	2.95%	2.71%	-25 bps
Efficiency Ratio	58.16%	57.64%	57.74%	57.92%	33.89%	-2,427 bps
Non-Interest Burden	1.45%	1.43%	1.38%	1.55%	-1.58%	-303 bps
Growth
Asset Growth (YoY)	40.67%	36.00%	26.35%	21.28%	59.87%	+1,920 bps
Loan Growth (YoY)	25.21%	32.26%	19.96%	24.69%	32.99%	+779 bps
Deposit Growth (YoY)	48.14%	48.55%	32.73%	20.50%	69.38%	+2,125 bps
Asset Quality
Nonperforming Loans / Loans	0.26%	0.25%	0.15%	0.15%	0.15%	-12 bps
Net Charge-Offs / Loans	0.02%	0.01%	0.00%	0.00%	0.00%	-1 bps
Allowance / Loans	0.75%	0.75%	0.75%	0.74%	0.68%	-7 bps
Allowance Coverage of NPLs	2.8x	3.0x	4.9x	4.9x	4.6x	+1.8x
Capital
Tier 1 Leverage Ratio	9.02%	8.74%	8.33%	9.06%	8.85%	-18 bps
Total Risk-Based Capital	9.02%	8.74%	8.33%	9.06%	8.85%	-18 bps
Equity / Assets	8.72%	8.12%	8.23%	8.80%	8.25%	-46 bps
Liquidity & Funding
Loans / Deposits	94.95%	87.53%	92.53%	94.36%	74.55%	-2,040 bps
Liquid Assets / Assets	12.30%	14.89%	15.43%	9.28%	10.32%	-199 bps
CRE / Total Capital	n/a	540%	542%	506%	n/a	n/a