Bank Safety Analysis
Is Anchor Bank Safe? Palm Beach Gardens, Florida
Based on its Q3 2026 call report, Anchor Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 5.90%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Anchor Bank safe?
On its Q3 2026 call report, Anchor Bank's Community Bank Leverage Ratio is 9.64%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 9.64%
- Texas ratio (Q3 2026): 5.90%
- Noncurrent loans ratio (Q3 2026): 0.92%
Anchor Bank is an FDIC-insured commercial bank (FDIC Certificate #57931). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Anchor Bank (FDIC Certificate #57931) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Anchor Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital.
The standout move of Q3 2026 was in return on assets: 4.09 percentage points lower than in Q2 2026, at 1.41%. Anchor Bank ranks 59th of 81 Florida banks on leverage ratio, in the lower half at 9.64% (Q3 2026). The median for banks in the $100M-1B asset tier is 11.09% on leverage ratio. Anchor Bank sits 1.44 points lower, at 9.64% (Q3 2026). From Q4 2023 to Q3 2026, Anchor Bank's Texas ratio ranged between 1.09% (Q2 2026) and 5.90% (Q3 2026).
Between Q3 2025 and Q3 2026, Anchor Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.25% to 0.92%, Texas ratio rose from 2.04% to 5.90% and return on assets rose from 0.97% to 1.41%.
Anchor Bank ranks as the 35th largest of the 81 banks based in Florida, by total assets at Q3 2026. Non-owner-occupied commercial real estate loans are its largest loan category, $170.2M of $516.3M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, Anchor Bank's community bank leverage ratio of 9.64% is below the 11.09% median, nonperforming loans ratio of 0.92% is above the 0.43% median, Texas ratio of 5.90% is above the 2.96% median, and efficiency ratio of 49.00% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Anchor Bank's composite risk score is 0.57 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does Anchor Bank score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does Anchor Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 5.90% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.92% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 75.98% | Within range |
| Commercial real estate to capital BankRegReports band | 276.71% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 2.75% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 5.90% |
| Q2 2026 | 1.09% |
| Q1 2026 | 1.19% |
| Q4 2025 | 1.29% |
| Q3 2025 | 2.04% |
| Q2 2025 | 2.09% |
| Q1 2025 | 2.20% |
| Q4 2024 | 2.26% |
| Q3 2024 | 3.82% |
| Q2 2024 | 2.83% |
| Q1 2024 | 2.84% |
| Q4 2023 | 2.69% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $170.2M
- 1-4 family residential loans: $160.9M
- Owner-occupied commercial real estate loans: $74.1M
- Commercial and industrial loans: $49.4M
- Multifamily loans: $47.1M
- Construction and land development loans: $10.6M
- Other consumer loans: $2.9M
- Auto loans: $573K
How have Anchor Bank's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $833.7M | 9.64% | 0.92% | 5.90% | 49.00% |
| Jun 30, 2026 | $805.5M | 8.85% | 0.15% | 1.09% | 27.52% |
| Mar 31, 2026 | $606.9M | 9.06% | 0.15% | 1.19% | 57.88% |
| Dec 31, 2025 | $570.7M | 8.33% | 0.15% | 1.29% | 58.03% |
| Sep 30, 2025 | $559.6M | 8.74% | 0.25% | 2.04% | 56.60% |
| Jun 30, 2025 | $503.9M | 9.02% | 0.26% | 2.09% | 55.31% |
| Mar 31, 2025 | $500.4M | 9.46% | 0.27% | 2.20% | 61.66% |
| Dec 31, 2024 | $451.7M | 10.23% | 0.29% | 2.26% | 61.41% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Anchor Bank FDIC insured?
Yes. Anchor Bank is an FDIC-insured commercial bank (FDIC Certificate #57931). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Anchor Bank well capitalized?
On its Q3 2026 call report, Anchor Bank's Community Bank Leverage Ratio is 9.64%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Anchor Bank's key safety ratios?
For Q3 2026, Anchor Bank reports leverage 9.64%, Texas ratio 5.90%, noncurrent loans 0.92%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if Anchor Bank fails?
For Q3 2026, Anchor Bank reported $679.5M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Anchor Bank profile.
How we score this
Anchor Bank elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Anchor Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 57931) · FFIEC NIC profile (RSSD 3342671)
Explore: Full Anchor Bank profile · Other banks in FL · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.