Anchor Bank: Vital Signs
BankRegReports is independent of Anchor Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Anchor Bank reported 20 of the 23 line items on this page. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 9.64% in Q3 2026, up 0.90 percentage points from 8.74% in Q3 2025. Across the 12 quarters shown it ranged from 8.33% (Q4 2025) to 11.34% (Q3 2024).
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 373.03 percentage points lower than in Q2 2026, at 85.75%. Anchor Bank ranks 23rd of 81 Florida banks on return on assets, in the upper half at 1.41% (Q3 2026). The median for banks in the $100M-1B asset tier is 1.27% on return on assets. Anchor Bank sits 0.13 points higher, at 1.41% (Q3 2026).
Capital adequacy
Equity capital to assets changed the most here, up 1.46 points to 9.71% in Q3 2026 from 8.25% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 9.64% |
| Equity capital to assets | 9.71% |
| Tangible equity to tangible assets | 9.21% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
Get an email when Anchor Bank files its next quarter, and see its vital signs against peers in the terminal. Free account, no card.
Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.92% |
| Nonperforming assets ratio | 0.57% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.90% |
| Allowance for credit losses to loans | 0.79% |
| Reserve coverage of nonperforming loans | 85.75% |
Earnings
Largest change in this table: return on equity, down 51.48 points to 15.66% in Q3 2026 after 67.14% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 15.66% |
| Net interest margin | 3.48% |
| Efficiency ratio | 49.00% |
| Yield on earning assets | 5.95% |
| Cost of funds | 2.57% |
Liquidity and funding
Largest change in this table: core deposits to total deposits, down 2.09 points to 90.25% in Q3 2026 after 92.34% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 75.98% |
| Core deposits to total deposits | 90.25% |
| Brokered deposits to total deposits | 1.51% |
| Deposits to assets | 81.50% |
| Securities to assets | 23.34% |
Vital Signs trend
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 8.50% | 0.46% | 3.39% | 0.29% | 0.04% |
| Q1 2024 | 10.90% | 0.43% | 3.23% | 0.37% | 0.08% |
| Q2 2024 | 10.37% | 0.59% | 3.34% | 0.36% | 0.12% |
| Q3 2024 | 11.34% | 0.81% | 3.58% | 0.55% | 0.01% |
| Q4 2024 | 10.22% | 0.76% | 3.35% | 0.29% | 0.02% |
| Q1 2025 | 9.46% | 0.91% | 3.21% | 0.27% | 0.00% |
| Q2 2025 | 9.02% | 0.98% | 3.18% | 0.26% | 0.03% |
| Q3 2025 | 8.74% | 0.97% | 3.17% | 0.25% | 0.01% |
| Q4 2025 | 8.33% | 1.08% | 3.16% | 0.15% | -0.04% |
| Q1 2026 | 9.06% | 1.06% | 3.08% | 0.15% | 0.00% |
| Q2 2026 | 8.85% | 5.50% | 3.10% | 0.15% | 0.01% |
| Q3 2026 | 9.64% | 1.41% | 3.48% | 0.92% | 0.00% |
Anchor Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Anchor Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 57931) · FFIEC NIC profile (RSSD 3342671)