Anchor Bank
Anchor Bank is an FDIC-insured commercial bank headquartered in Palm Beach Gardens, FL, supervised by the Federal Reserve, with $833.7M in total assets at Q3 2026, up 49.0% from Q3 2025, the 35th largest of 81 banks headquartered in Florida. It was established in 2005 and holds FDIC certificate 57931. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.64% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57931
- Headquarters
- Palm Beach Gardens, FL
- Established
- 2005
- Total assets, Q3 2026
- $833.7M
- Assets vs Q3 2025
- +49.0%
- Tier 1 leverage ratio, Q3 2026
- 9.64%
- Domestic offices
- 9 branches
- Routing number
- 067015656
- Safety and soundness
- Is Anchor Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Anchor Bank call report
- Holding company
- ANCHOR BANCORP, INC.
- Asset rank in state
- 35th of 81 in Florida
Problem loans are rising at Anchor Bank. It reported $834 million in assets at September 30, 2026, up 49.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.92% of loans from 0.25% a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,623 banks with $100 million to $1 billion in assets. It also grew its loan book 28.7% over the year, 5.0 times the median of 5.8% for banks its size.
Earnings jumped: net income for the quarter was $2.9 million, 129% above the same quarter a year earlier. Over the same year, loans grew 28.7% and deposits grew 48.2%. Funding is the softer spot: it pays an average of 2.57% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.83%).
As of September 30, 2026, Anchor Bank reported a return on assets of 1.41%, a nonperforming-loan ratio of 0.92% and a Texas ratio of 5.90%. The figures come from its call report filed with the FFIEC.
Anchor Bank ranks as the 35th largest of the 81 banks based in Florida, by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 3.5% to $833.7M, loans rose 5.5% and deposits rose 3.5%. The largest part of its loan book on September 30, 2026 was non-owner-occupied commercial real estate loans, at 33.0% of total loans, ahead of 1-4 family residential loans at 31.2%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities across 2 states; its Palm Beach Gardens 2 offices book 36% of its branch deposits. On its Q3 2026 call report, Anchor Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4500 Pga Blvd, Palm Beach Gardens, FL 33418
- County
- Palm Beach
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 22, 2005
- Domestic offices
- 9 branches
- Employees (FTE)
- 88
- Domestic deposits
- $679.5M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $821.0M
- Average total loans
- $494.8M
- Average interest-bearing deposits
- $490.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 22, 2005
- FDIC Cert
- 57931
- Fed RSSD
- 3342671
- SEC CIK
- 2029051 → filed by ANCHOR BANCORP, INC.
- Parent Holding Company
- ANCHOR BANCORP, INC. (RSSD 5474820)
Profitability
Q3 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
Watch Anchor Bank: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Anchor Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Anchor Bank's total assets ran between $319.8M (Q4 2023) and $833.7M (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$833.7M total assets against $559.6M; $752.7M total liabilities against $514.2M.
$512.2M net loans and leases against $398.3M; $679.5M total deposits against $458.4M.
$194.6M securities against $57.1M; $65.0M cash and balances due against $82.3M.
$11.3M total interest income against $7.4M; $4.7M total interest expense against $3.4M.
$6.6M net interest income against $4.0M.
$2.4M total noninterest income against $480K; $4.4M total noninterest expense against $2.5M.
$750K provision for credit losses against $252K.
$2.9M net income against $1.3M.
1.41% return on assets against 0.97%; 3.48% net interest margin against 3.17%.
9.64% tier 1 leverage ratio against 8.74%.
Inside the full Anchor Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Anchor Bank rankings
Its closest position to the top of a national ranking is 719 of 3,624, for efficiency ratio; its furthest is 1,529 of 3,627, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.76% (Q4 2024) to 5.50% (Q2 2026) and its net interest margin ran from 3.08% (Q1 2026) to 3.48% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 9.64% | 1.41% | 0.92% | 5.90% | 3.48% |
| Q2 2026 | 8.85% | 5.50% | 0.15% | 1.09% | 3.10% |
| Q1 2026 | 9.06% | 1.06% | 0.15% | 1.19% | 3.08% |
| Q4 2025 | 8.33% | 1.08% | 0.15% | 1.29% | 3.16% |
| Q3 2025 | 8.74% | 0.97% | 0.25% | 2.04% | 3.17% |
| Q2 2025 | 9.02% | 0.98% | 0.26% | 2.09% | 3.18% |
| Q1 2025 | 9.46% | 0.91% | 0.27% | 2.20% | 3.21% |
| Q4 2024 | 10.22% | 0.76% | 0.29% | 2.26% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Anchor Bank (main office) | Palm Beach Gardens , FL | 33418 | $237.2M |
| East Main Street Branch | Hogansville , GA | 30230 | $140.3M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $98.1M |
| Lake Worth Branch | Greenacres , FL | 33467 | $95.9M |
| Hallandale Branch | Hallandale Beach , FL | 33009 | $38.0M |
| Community Bank and Trust - West Georgia Branch | Lagrange , GA | 30240 | $20.6M |
| West Point Road Banking Center Branch | Lagrange , GA | 30240 | $14.1M |
| Boca Raton Branch | Boca Raton , FL | 33432 | $12.4M |
| Alt A1A Branch | Palm Beach Gardens , FL | 33410 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 2, 2026 | Structure Change | Acquired Community Bank & Trust - West Georgia Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 1, 2026 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 28, 2021 | Structure Change | Acquired Home Federal Bank of Hollywood Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 27, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- October 11, 2011, Federal Reserve: Prompt Corrective Action: Anchor Commercial Bank, Juno Beach, Florida
- March 16, 2010, Federal Reserve: Written Agreement: Anchor Commercial Bank, Juno Beach, Florida
- Period: Most recent institution action October 11, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 88 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.9M approved, $1.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Anchor Bank
What are Anchor Bank's total assets?
As of the Q3 2026 filing, Anchor Bank reported total assets of $833.7 million in its FFIEC call report.
Where is Anchor Bank headquartered?
It is headquartered in Palm Beach Gardens, FL, United States.
When was Anchor Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Anchor Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57931). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Anchor Bank?
Anchor Bank's primary federal regulator is the Federal Reserve.
How many branches does Anchor Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Anchor Bank's Texas Ratio?
Its Texas Ratio is 5.90% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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