Anchorage Digital Bank National Association

Sioux Falls, SD · Cert 59276

FDIC

Q2 2026

$1.9BAssets

$0KLoans

$0KDeposits

$42.3MEquity

Executive Summary

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.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	27.01%	39.51%	40.18%	36.74%	45.75%	7.75%	2.94%	2.17%	-3,457 bps
Return on Equity	33.56%	46.41%	45.65%	41.26%	51.02%	49.54%	34.32%	48.35%	+709 bps
Net Interest Margin	2.38%	2.14%	2.67%	3.27%	3.05%	3.34%	34.43%	71.90%	+6,863 bps
Efficiency Ratio	56.37%	51.19%	43.96%	42.37%	37.83%	57.37%	61.29%	64.73%	+2,236 bps
Non-Interest Burden	-32.81%	-48.60%	-50.27%	-46.79%	-61.93%	-0.43%	-0.34%	0.50%	+4,729 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/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	81.19%	91.00%	90.70%	92.61%	95.06%	5.96%	89.33%	57.33%	-3,528 bps
Total Risk-Based Capital	81.19%	91.00%	90.70%	92.61%	95.06%	68.09%	89.33%	57.33%	-3,528 bps
Equity / Assets	80.05%	90.19%	86.16%	91.79%	87.90%	9.07%	8.15%	2.26%	-8,953 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	85.31%	81.27%	84.89%	83.88%	80.12%	7.62%	1.63%	1.07%	-8,281 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	0.00%	0.00%	0.00%	n/a	n/a