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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 $3.8MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $486.6M26%Noninterest $169.8MQ2 2025Q2 2026

NIM

5.80%Q2 ’245.62%Q2 ’255.48%Q2 ’26-4%-1%

Non-interest income vs. expense

2.56%Q2 ’242.20%Q2 ’252.82%Q2 ’26-43%-447%

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 5.70%, up 473 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.15% of loans (-12 bps YoY), with net charge-offs at 0.01%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

5.70%+473 bps YoY

Net Interest Margin (quarter, annualized)

3.02%-4 bps YoY

Efficiency Ratio (quarter, annualized)

27.52%-2,778 bps YoY

Tier 1 Leverage Ratio

8.85%-18 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.95%1.08%1.07%5.70%+473 bps
Return on Equity11.22%11.30%13.24%12.57%67.14%+5,592 bps
Net Interest Margin3.06%3.04%2.99%2.95%3.02%-4 bps
Efficiency Ratio55.31%56.60%58.03%57.92%27.52%-2,778 bps
Non-Interest Burden1.28%1.56%1.56%1.55%-4.43%-570 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 / Loans0.26%0.25%0.15%0.15%0.15%-12 bps
Net Charge-Offs / Loans0.03%0.01%-0.04%0.00%0.01%-2 bps
Allowance / Loans0.75%0.75%0.75%0.74%0.68%-7 bps
Allowance Coverage of NPLs2.8x3.0x4.9x4.9x4.6x+1.8x
Capital
Tier 1 Leverage Ratio9.02%8.74%8.33%9.06%8.85%-18 bps
Total Risk-Based Capital9.02%8.74%8.33%9.06%8.85%-18 bps
Equity / Assets8.72%8.12%8.23%8.80%8.25%-46 bps
Liquidity & Funding
Loans / Deposits94.95%87.53%92.53%94.36%74.55%-2,040 bps
Liquid Assets / Assets12.30%14.89%15.43%9.28%10.32%-199 bps
CRE / Total Capitaln/a540%542%506%n/an/a