# ANCHOR BANK
PALM BEACH GARDE, FL · FDIC certificate 57931 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $805.5M | |
| Deposits | $656.4M | |
| Loans and leases | $489.3M | |
| Total equity | $66.5M | |
| Loans / deposits | 74.04% (p33 of band) | 82.04% |
| Liquid assets / assets | 31.86% (p68 of band) | |
| Uninsured deposits / deposits | 33.22% (p75 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.07% (p74 of band) | |
| FHLB advances / assets | 9.06% | |
| Tier 1 leverage | 8.85% (p11 of band) | 10.81% |
| Unrealized securities loss / equity | -32.95% (p11 of band) | -8.10% |
| AOCI / equity | -1.11% (p20 of band) | |
| ROA (annualized) | 3.52% (p99 of band) | 1.28% |
| Net interest margin | 3.20% (p16 of band) | 3.91% |
| Efficiency ratio | 33.89% (p2 of band) | |
| Noncurrent loans | 0.15% (p28 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 458.78% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 14.32% (p19 of band) | |
| Auto loans | $658,000 (0.13% of loans; DQ 3.80%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 69.4% | |
| Employees | 98 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, leverage <5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 | losing money, charge-offs p90 |  |
| 2011-09 | 9 | capital falling |  |
| 2011-12 | 8 |  | capital falling |
| 2012-03 | 12 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 13 | capital falling |  |
| 2012-09 | 12 |  | capital falling |
| 2012-12 | 11 |  | uninsured deposits leaving |
| 2013-03 | 9 |  | losing money, expense ratio p90 |
| 2013-06 | 9 |  |  |
| 2013-09 | 9 |  |  |
| 2013-12 | 4 |  | leverage <7%, leverage <5%, construction >100% equity, assets shrinking |
| 2014-03 | 3 |  | charge-offs p90 |
| 2014-06 | 3 | charge-offs p90 | deposits shrinking |
| 2014-09 | 3 | deposits shrinking | charge-offs p90 |
| 2014-12 | 3 | charge-offs p90 | deposits shrinking |
| 2015-03 | 3 |  |  |
| 2015-06 | 1 |  | noncurrent p90, charge-offs p90 |
| 2015-09 | 3 | brokered >10%, capital falling |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 3 | capital falling, charge-offs p90 | brokered >10% |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 4 | wholesale funding >15%, reserve under noncurrent |  |
| 2017-12 | 5 | capital falling, noncurrent p90 | uninsured deposits leaving |
| 2018-03 | 3 | expense ratio p90 | charge-offs p90, wholesale funding >15%, noncurrent p90 |
| 2018-06 | 2 | deposits shrinking | capital falling, expense ratio p90 |
| 2018-09 | 3 | loans exceed deposits |  |
| 2018-12 | 4 | wholesale funding >15% |  |
| 2019-03 | 3 | expense ratio p90 | reserve under noncurrent, deposits shrinking |
| 2019-06 | 2 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | loans exceed deposits |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 2 | wholesale funding >15% | expense ratio p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | expense ratio p90 |  |
| 2021-03 | 2 | losing money | loans exceed deposits, wholesale funding >15% |
| 2021-06 | 3 | wholesale funding >15%, capital falling | losing money |
| 2021-09 | 3 | reserve under noncurrent | capital falling |
| 2021-12 | 1 |  | expense ratio p90, wholesale funding >15% |
| 2022-03 | 3 | capital falling, charge-offs p90 |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 3 | loans exceed deposits, wholesale funding >15% | reserve under noncurrent |
| 2022-12 | 3 | capital falling | charge-offs p90 |
| 2023-03 | 4 | charge-offs p90 |  |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | capital falling, uninsured deposits leaving | charge-offs p90 |
| 2024-03 | 3 |  | capital falling |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2024-12 | 1 | loans exceed deposits |  |
| 2025-03 | 1 | capital falling | loans exceed deposits |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 1 | securities losses >30% of equity |  |

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

- 2026-08-05 [Failed Bank Information for Community Bank and Trust - West Georgia, LaGrange, GA - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMikwFBVV95cUxNVnhVTVVERFJtZll5a1lvUG83Qy1iZWpsYkdKMkRzWDB3emhHczEteWlza050aEhFN2lKdXNWaE9fRWg1QlFYb3BSTTJNbnQwOUh3YjdfZ25ha092LUp0VG8zVU5WNmNTNkdNTTRiZmk4NEh0cDdrNzJQYWpENVJoNGRiUklBUlZTTDJtYmdFRWFjbWM?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-05-04 [Florida bank acquires failed Georgia lender’s deposits - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxONUFJelEzeG13SVhPYWF3WTc2X0VDS1NpOVRBZkV2dS1MLUxiRUw5bXBKNDZjQnBWUmxWUXlrTER5NEdpNWhxZ2NsQTFNamhqempscFRLS2xHQnZmeU5FVUxUbHpXdzc4b1VCeU5TWkFkbnBWVjNtSWJTUHpFTFZXZllaTzJlTF9m?oc=5) · Banking Dive
- 2026-05-11 [Local bank acquires collapsed bank's deposits - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNT0RiZ0htVExWSmU1eFd5Nm5uU3AzcGtqVk90by1mZjhJZjFYZGZYaTMyaUE2SHVJM1dCaDIyNUsxOVZ2bHFrQmZQMGtwclUzbWh6TGtwNGhDelJQUzhobGhXMU1ZWVpCVGd1NFUxbmRiZnVZNFItRXBVWm80bV92ZFk4TkFzWjVqUHVCZXBzWlRSWm9GY1V4WksySHNIcGlmaXdiRkRUX0lvRVc0?oc=5) · The Business Journals
- 2026-05-04 [Anchor Bank assumes insured deposits after closure of Community Bank and Trust - LaGrange Daily News](https://news.google.com/rss/articles/CBMivgFBVV95cUxQQldqNkFfVkYwNFdkelNRRmFoeHJqaEE2WTVVaGpQSkRoTjFLYUVVdTJ4R2k2emR5dmRwNzNNd3BXSlRjUmFTdThzNHhodF9vY0VEcFVRRVI2NmpBdjdEbGY5SGxsSS1SM1NNSVM0WHJPaE12ampEMnNGMVlKYmpXR0NObEtkdTZLRmNyRWFmS0s2blpkOXdteURJcVhtMWJJSGJGRk1kTnlsUGpEdDVmemFoS3VsdzRHbHZ4UEFR?oc=5) · LaGrange Daily News
- 2026-05-05 [Georgia regulators shut down bank and move assets to Anchor Bank - Financial Regulation News -](https://news.google.com/rss/articles/CBMimgFBVV95cUxNN0txblpwWmwwMS1lcTVPX0xkSzdYNlRyZUNwT3NKTHZ5NEZuTmlDckx1TjhleWpWbm1kX0Izb2R0NmVoUTFGTnpYX3oxYkxwaWE3NUtzcmFTUE11WWMybTlsV1JEWkc0RkpPM0lGdE5UQkhPWlNuZVJUY3EwSGxVXzJsWDBFc01HWUtVR2dHeUh0SkczVldyLW5n?oc=5) · Financial Regulation News -
- 2026-05-01 [Georgia bank closed by regulators, 2nd U.S. bank failure this year - BNO News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOUkYzSzJXVU9qbTZrYmhxNlR5VlVQYUtLY29UTnlQVjlHUXI0dG8wOXRkSXdpX3daaDh4WDdOVURVUEpINURKNzkzZWJ5Wm42cVJoUVFOX0lFM3RZQmhaeEhKN0JMTXg0SS16UFh2U2lqTFdTWGtScUNtc0k1d09NRXBBNnJHR3lDTjh3M0tiZUI4ZHFlWU9pa3JTTzNsZGV2N2Rtd0Izc2pRQQ?oc=5) · BNO News
- 2021-08-24 [Anchor Bank and Home Federal Bank of Hollywood Merger Approved - Business Wire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxONTN5akN1am5tbHpLa1VydmI1azk0N3Zwam1oQ3RvQmMtY2dSRXJRMV9wRlRrZGp2cFNyUTZIaHRyRVU5M0ItWkhoRzlDTnlUY0RDWllVQ05YWVNOX2dNY05wUVF2ckpFZkhhRVduWVhZdGVYOWtzaUhTS1ZpYkR6WENBd2tRdjJxcjhmLWZXcmRNeThfcW83SjV2dllKM3VESnFrVXl4ZnZDMkxkX0pDUnRvT25YSzlnbThR?oc=5) · Business Wire
- 2020-11-09 [Florida bank that went global to survive eyes growth at home - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxNVnhlZE43Q0dRVVpRcl9HR2Q5XzdDcDZ2U2k0SGRRdkJoZXRJenc0Z25DNEhjYmtOQlRzRElPZVFOZlo1VlVGU242OXZCOElRcGtUR28ybzhyRTNsdHN5SU56OHQ5VjNodnV3dGcwM1JCZ1hrOFFZTnoyajB2UmxmS2g0eFExa0RQV1AtMzFfSW1WdHIzNG96WUhScTU?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57931 (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/11.json (key "57931", 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