# ANCHOR BANK
ABERDEEN, WA · FDIC certificate 28454 · asset band $300M-1B · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $478.3M | |
| Deposits | $371.8M | |
| Loans and leases | $374.7M | |
| Total equity | $64.5M | |
| Loans / deposits | 99.58% (p84 of band) | 86.40% |
| Liquid assets / assets | 14.72% (p22 of band) | |
| Uninsured deposits / deposits | 14.95% (p23 of band) | 21.53% |
| Brokered deposits | 1.06% | |
| Wholesale funding | 8.91% (p67 of band) | |
| FHLB advances / assets | 7.74% | |
| Tier 1 leverage | 13.90% (p88 of band) | 10.49% |
| Unrealized securities loss / equity | -1.35% (p73 of band) | -3.26% |
| AOCI / equity | -0.63% (p77 of band) | |
| ROA (annualized) | 1.20% (p58 of band) | 1.12% |
| Net interest margin | 4.54% (p89 of band) | 3.75% |
| Efficiency ratio | 65.30% (p49 of band) | |
| Noncurrent loans | 0.24% (p30 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 497.75% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 107.34% (p93 of band) | |
| Auto loans | $299,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 93 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | wholesale funding >15%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 6 | capital falling |  |
| 2011-12 | 5 |  | capital falling |
| 2012-03 | 3 |  | losing money, charge-offs p90 |
| 2012-06 | 2 |  | wholesale funding >15% |
| 2012-09 | 1 |  | expense ratio p90 |
| 2012-12 | 2 | expense ratio p90 |  |
| 2013-03 | 3 | assets shrinking |  |
| 2013-06 | 3 | losing money | assets shrinking |
| 2013-09 | 4 | assets shrinking |  |
| 2013-12 | 5 | deposits shrinking |  |
| 2014-03 | 4 |  | losing money |
| 2014-06 | 4 |  |  |
| 2014-09 | 2 |  | reserve under noncurrent, assets shrinking |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | deposits shrinking |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | loans exceed deposits |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 4 | liquid assets <10% |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 2 |  | expense ratio p90 |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 | construction >100% equity | capital falling |
| 2017-12 | 4 | uninsured deposits leaving |  |
| 2018-03 | 3 |  | uninsured deposits leaving |
| 2018-06 | 3 |  |  |
| 2018-09 | 1 |  | loans exceed deposits, liquid assets <10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-27 [Portland-Area Bank to Merge Into 1st Security Bank of Washington - 425business.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOeHJ2WDVic0hyUW1PVi1YS3RaRER1SlRJS0oxUi12d2t1R2VId1pTYTVwZnVtbV9PQjBXZTZQZFJMZWhucEJhTEM4ZzlQenYtdEUzcUJNOFhJc3FNdDdzY0lqb1RXWVJza1pEbTh2OWVFV1BjZWk2ZnFiVXU0VnpfRXZMU3ZWNnlFZHdpT2l2azVHQlhhR3FxcjVnZnRVa1pEdWRSWjJpN3NXaUtKSHpZT0hOM09QcVpwY1lGSGN0a01YT2ZwRFBZUHlaMHFwYV84RzBucEln?oc=5) · 425business.com
- 2026-09-01 [Gwangju Bank Launches "Wa Dedicated TF" to Strengthen Financial Support for Regional Semiconductor Industry - 아시아경제](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5tQ3NHWkxOMk1EWDlsRU9KRzFYWmRfMlY5eWRFNTFuck55VWxMVkpQcFd6UWczR0NrVnFwZzBnczFTazdvNTlOcElFRUlzZE5lc3A0M0l3TXZhZDZhVnVqQTd4ZjM?oc=5) · 아시아경제
- 2015-02-20 [Anchor Bank: The Community Bank of Choice for Local Small Business - ThurstonTalk](https://news.google.com/rss/articles/CBMiakFVX3lxTFBzakJrWnhaRFhUcXVRMEpQbl9IRTJUVWNXeWdoM2ZRaThNRXFSc1FnU3pBZlRfWDZwMTR6UVRZTURJMC0zLW9vSllJYVZmM2hTMVZtOXJmQ2lfZWNva3F1MkRyU2NVMDNzV2c?oc=5) · ThurstonTalk
- 2015-03-19 [Banking Beyond the Ordinary at South Hill’s Anchor Bank - SouthSoundTalk](https://news.google.com/rss/articles/CBMicEFVX3lxTE1VLUI5UlFxcVUwcjBDRkwxVm5iQVk1QndjWGtxYUgxcW1tS0tnY0k3cmx0RUlpYkRJMkJ4Y0pENmV6LTNUUlRGNTBkVm1pbDJhRXhFTGJSZmU1cTB3RDRHZHFabXdGaDducWl2M3hORDM?oc=5) · SouthSoundTalk
- 2017-08-08 [Business briefs: Old National buys Anchor Bank - Pioneer Press](https://news.google.com/rss/articles/CBMijAFBVV95cUxQcVVnbWRtYzhJSnppeG01OFh6enRZTnRCSzR1NWZfcWZEZ2xlMW1GaThpN2xvRUI3ak52bFNwcmNRTEx6Vk1wWlEtdG5aWGtTM2ZnaGx1elpRU3ExbnVLQk0xcm5CTmxCV0ZDdDlhRzFiZVhuOEc1SURTRm13eDkyR1E4Qm9ISFlXN21vaw?oc=5) · Pioneer Press
- 2025-10-11 [Jerald Shaw Obituary (1946 - 2025) - Matlock, WA - The Olympian - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPZVI2Y19IUEdTOTlORHBYUFNRUDRKbmJNQS1uUllJeXljYjRqVWVkRTkybEJaeDNQWFZkc2EwVTBNSFJ4eEdNcUdQancxRV9zMGpSajM2VUc4THVXajFPR0ZJX1VlNFJmajYzZkF3LWw2ZklLM1ZYSFVCSm1TQ1ZtLWRCWFlkemVLLXlxUXFGRQ?oc=5) · legacy.com
- 2017-08-08 [Old National Bancorp buying St. Paul's Anchor Bank in $303 million deal - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMTNnRFdtcDhTYXVpNGxqRl8zQlg4by1lX2NkcHZyU1poWmNfTG12TS0tTGpvVDVGbVFJYWNuRTdxZHFYaC1KeFJfRW5KY1hwVjI4MUVPX1RoaEhIQ28xd3pvN3pvN0w0ZmUwX3hSaXg2TkRKY3hXemtFZHJYRHgtNVBSbmR1ckFDOHlhRXVyWDNNVU5QbkdDQ3pYX3BmR0RaMThSaWgtNU05ODhu?oc=5) · The Business Journals
- 2018-07-17 [FS Bancorp, Inc. and Anchor Bancorp Agree to Merge in a Transaction Valued at Approximately $77 Million - GlobeNewswire](https://news.google.com/rss/articles/CBMiggJBVV95cUxPSmJzX3hzVkdmTTQ0Q0R6NHpWNjJqMXJCRFNvOUNfVm5wOXQ4czAtNlFubVM0SF9Vd25jT2hHdkhxcU9hNEZENm1jbGdIZ0RGN3dGeWVqMExwei1YYjE5Q1ZoRHZQNjhGbDBLU2pkVzFrSXVOTzdlRElNdWtmUURhdW15QkkzQnVTcGZVLXRDbERJdnZBOXVJRDY5U2tiTkpsQ1QyQnJfMjcxcGRBQXBSY3l1Q2dwLWo1bGxfc2lVZjF2YU1WWFROLU9rUEZ3UVltM2R3Q21QQWpNeVVHbUF4MGRJZEV1eEM0dEt1VTg3QzlMVml4WXVJeHNkNmltLW5ISGc?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28454 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "28454", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide