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Anchorage Digital Bank National Association

Sioux Falls, SD · Cert 59276

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=328). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

38

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

Anchorage Digital Bank National Association

Sioux Falls, SD · Cert 59276

FDIC

Q2 2026

$1.9BAssets
$0KLoans
$0KDeposits
$42.3MEquity

Executive Summary

  • Earnings: ROA of 2.40%, down 3,632 bps year over year; NIM at 60.25%.
  • Capital: tier 1 leverage ratio of 57.33%, down 3,528 bps from a year ago.

Return on Assets (YTD, annualized)

2.40%-3,632 bps YoY

Net Interest Margin (YTD, annualized)

60.25%+5,739 bps YoY

Efficiency Ratio (YTD, annualized)

63.21%+2,004 bps YoY

Tier 1 Leverage Ratio

57.33%-3,528 bps YoY

NIM

0.82%Q2 ’242.83%Q2 ’252.83%Q2 ’26+248%+2009%

Non-interest income vs. expense

54.25%Q2 ’2437.41%Q2 ’254.63%Q2 ’26+25%+100%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets43.98%43.12%40.18%38.72%40.93%12.95%2.94%2.40%-3,632 bps
Return on Equity53.50%51.28%45.65%43.32%46.03%46.97%34.32%43.03%-29 bps
Net Interest Margin1.28%1.49%2.67%2.86%2.72%0.95%34.43%60.25%+5,739 bps
Efficiency Ratio49.09%49.65%43.96%43.16%41.02%47.25%61.29%63.21%+2,004 bps
Non-Interest Burden-47.41%-47.32%-50.27%-46.43%-48.40%-2.11%-0.34%0.13%+4,656 bps
Growth
Asset Growth (YoY)43.43%69.47%55.54%37.21%48.21%1520%1563%2510%+247,289 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio81.19%91.00%90.70%92.61%95.06%5.96%89.33%57.33%-3,528 bps
Total Risk-Based Capital81.19%91.00%90.70%92.61%95.06%68.09%89.33%57.33%-3,528 bps
Equity / Assets80.05%90.19%86.16%91.79%87.90%9.07%8.15%2.26%-8,953 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets85.31%81.27%84.89%83.88%80.12%7.62%1.63%1.07%-8,281 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%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

Anchorage Digital Bank National Association

Sioux Falls, SD · Cert 59276 · Peer group: banks $1B-$10B in assets (n=328)

FDIC

Q2 2026

$1.9BAssets
$0KLoans
$0KDeposits
$42.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 100% of banks $1B-$10B in assets (rank 1 of 328).
  • Widest gap: equity / assets trails 100% of banks $1B-$10B in assets (rank 328 of 328).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.69%

Rank 60 of 328

Net Interest Margin

60.25%

Rank 1 of 328

Efficiency Ratio

63.21%

Rank 204 of 328

Equity / Assets

2.26%

Rank 328 of 328

Non-interest income vs. expense

$70.6M$72.7MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 38% of banks $1B-$10B in assets
Bank 63.21%Peer median 59.6%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.69%0.91%1.22%1.52%Beats 82%60 / 328
Return on Equity74.87%8.43%11.45%14.43%Beats 100%1 / 328
Net Interest Margin60.25%3.03%3.45%3.83%Beats 100%1 / 328
Efficiency Ratio63.21%51.61%59.56%67.53%Beats 38%204 / 328
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio57.33%11.75%13.15%15.47%Beats 98%8 / 328
Total Risk-Based Capital Ratio57.33%12.63%14.15%16.46%Beats 98%8 / 328
Equity / Assets2.26%9.15%10.33%12.01%Beats 0%328 / 328
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%65.18%74.15%79.98%0th pctl323 / 328
Brokered Deposits / Depositsn/aNot reported for this institution