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Letter portraitLegal landscapeQuarterYTD

Anchorage Digital Bank National Association

Sioux Falls, SD · Cert 59276

FDIC

Q2 2026

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

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets38.72%40.93%12.95%2.94%2.40%-3,632 bps
Return on Equity43.32%46.03%46.97%34.32%43.03%-29 bps
Net Interest Margin2.86%2.72%0.95%34.43%60.25%+5,739 bps
Efficiency Ratio43.16%41.02%47.25%61.29%63.21%+2,004 bps
Non-Interest Burden-46.43%-48.40%-2.11%-0.34%0.13%+4,656 bps
Growth
Asset Growth (YoY)37.21%48.21%1520%1563%2510%+247,289 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio92.61%95.06%5.96%89.33%57.33%-3,528 bps
Total Risk-Based Capital92.61%95.06%68.09%89.33%57.33%-3,528 bps
Equity / Assets91.79%87.90%9.07%8.15%2.26%-8,953 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets83.88%80.12%7.62%1.63%1.07%-8,281 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a