| Metric | Anchor Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +59.9% | +4.9% | +55.0 pts |
| Deposit growth (YoY) | +69.4% | +4.3% | +65.0 pts |
| Loan growth (YoY) | +33.1% | +5.3% | +27.7 pts |
| ROA | 3.52% | 1.28% | +2.2 pts |
| ROE | 41.9% | 12.5% | +29.4 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $805.5M | $656.4M | $486.0M | $66.5M | $11.6M | 3.52% | 3.20% | 0.09% |
| Q1 2026 | $606.9M | $477.1M | $446.8M | $53.4M | $1.6M | 1.07% | 3.16% | 0.11% |
| Q4 2025 | $570.7M | $454.9M | $417.8M | $47.0M | $5.1M | 0.98% | 3.17% | 0.11% |
| Q3 2025 | $559.6M | $458.4M | $398.3M | $45.5M | $3.5M | 0.93% | 3.15% | 0.18% |
| Q2 2025 | $503.9M | $387.5M | $365.2M | $43.9M | $2.3M | 0.93% | 3.17% | 0.19% |
| Q1 2025 | $500.4M | $395.9M | $358.8M | $42.7M | $1.0M | 0.88% | 3.13% | 0.20% |
| Q4 2024 | $451.7M | $342.7M | $348.8M | $42.4M | $2.4M | 0.64% | 3.35% | 0.22% |
| Q3 2024 | $411.5M | $308.6M | $301.7M | $41.6M | $1.6M | 0.60% | 3.37% | 0.40% |
Loan mix (Q2 2026): real estate $451.2M · commercial $33.6M · consumer $4.4M · securities $178.5M
| Ratio | Anchor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.52% | 1.28% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 41.9% | 12.5% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.9% | 61.1% | 2nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Anchor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Anchor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Anchor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Anchor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Anchor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
9 branches in 4 counties across 2 states (+3 vs 2025) · $656.4M branch deposits. Biggest market: Palm Beach, FL, ranked 27th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Palm Beach, FL | 4 | $345.4M | 0.50% | 27th |
| Troup, GA | 3 | $174.9M | 10.48% | 3rd |
| Miami-Dade, FL | 1 | $98.1M | 0.04% | 63rd |
| 1 more county with Pro → | ||||
Florida: 130th with 0.05% · Georgia: 154th with 0.04% · Miami-Fort Lauderdale-West Palm Beach metro: 58th, 0.13% ·
Branch count: 2022 6 · 2023 5 · 2024 5 · 2025 6 · 2026 9
Anchor Bank is in an open deal as the acquirer: Anchor Bank: merger application (pending, filed May 2, 2026). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| May 2, 2026 | Acquirer | — | Merger | Pending | Federal Reserve |
| May 1, 2026 | Acquirer | certain assets and assume certain liabilities of Community Bank & Trust--West Georgia | Acquisition | Completed | Federal Reserve |
Technology spend up 122% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).