PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Anchorage Digital Bank National Association

Sioux Falls, SD · Cert 59276

FDIC

Q2 2026

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

NIM

1.02%Q2 ’243.24%Q2 ’253.38%Q2 ’26+219%+2100%

Non-interest income vs. expense

53.33%Q2 ’2436.79%Q2 ’255.28%Q2 ’26+25%+101%

Executive Summary

  • Earnings: ROA of 2.17%, down 3,457 bps year over year; NIM at 71.90%.
  • Capital: tier 1 leverage ratio of 57.33%, down 3,528 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

2.17%-3,457 bps YoY

Net Interest Margin (quarter, annualized)

71.90%+6,863 bps YoY

Efficiency Ratio (quarter, annualized)

64.73%+2,236 bps YoY

Tier 1 Leverage Ratio

57.33%-3,528 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets36.74%45.75%7.75%2.94%2.17%-3,457 bps
Return on Equity41.26%51.02%49.54%34.32%48.35%+709 bps
Net Interest Margin3.27%3.05%3.34%34.43%71.90%+6,863 bps
Efficiency Ratio42.37%37.83%57.37%61.29%64.73%+2,236 bps
Non-Interest Burden-46.79%-61.93%-0.43%-0.34%0.50%+4,729 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