# ANCHORAGE DIGITAL BANK NA
SIOUX FALLS, SD · FDIC certificate 59276 · asset band $1-10B · 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 | $1.87B | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $42.3M | |
| Loans / deposits | 0.00% (p1 of band) | 87.10% |
| Liquid assets / assets | 99.28% (p100 of band) | |
| Uninsured deposits / deposits | – | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 57.33% (p99 of band) | 10.50% |
| Unrealized securities loss / equity | -3827.19% (p0 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 2.40% (p95 of band) | 1.26% |
| Net interest margin | 3.46% (p35 of band) | 3.70% |
| Efficiency ratio | 63.21% (p64 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | – | |
| Employees | 165 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | losing money, expense ratio p90 |  |
| 2022-12 | 3 | assets shrinking | NIM <2.5%, capital falling |
| 2023-03 | 0 |  | losing money, expense ratio p90, assets shrinking |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 1 | NIM <2.5% | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 0 |  | NIM <2.5% |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | leverage <7%, securities losses >30% of equity |  |
| 2026-03 | 1 |  | leverage <7% |
| 2026-06 | 1 |  |  |

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

- 2025-09-25 [Anchorage Digital to Double Stablecoin Team as Tether’s USAT Launch Looms - Bloomberg.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQWnEycXZkc3g3RjhWZ2w0QmFoT3RiRVVGR0dhamVOaUc4WEtSUERQZjVVS2NoSVpiVlRfR3RVT0FFSGZ0Q0p4M2E5T1BtcG9ZSkpJNHczcWdfZlBXOFZnQ3dIdmdEcUNIQms3SlNfZWZoVDZpUi15bFp5UC0xYVVjeVZvanZqN1kzUWIxRDc1cS1nWGowSHNzeHZFTHdubDVCM1ZjbU4zbnJJbkEzYmEyUzh5UDNNNW1XY1pTSExoeFEyUQ?oc=5) · Bloomberg.com
- 2025-08-12 [The Crypto Company Partners with Anchorage Digital Bank to Execute Secure and Strategic Crypto Treasury Initiative - Nasdaq](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNVXRaeUVoRWdaU0JKMWdvUVd5N2x2VzNCYUh4djhGdUlOa2tBOGppbWpvb0tvQkM2eGlxQjFWTHlVWkFlNFpTOTF3ZTMza1ZYVkRja29iZTNZMEVycHlEMk9md1FTRXJETURrLXR4VFdUd0JBQkU2WWwyNnc3YXdtSF91a3hDdXhBWUxYVDI4Qlhza01pZ1NUTWZ3d2dGcVN4N3hCcllWT1l5dUVMOU01blRER1lQSk5sUzIw?oc=5) · Nasdaq
- 2026-05-27 [Falcon Finance and Anchorage Digital Bank Launch fUSD, a GENIUS-Ready Stablecoin with Rewards on Ceffu - ETF.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNTWRLR3ZON3VyT0dJZWVSRDk5T2c3ZEJLS0ZsMGt4N2k1SG51WXowOTJRa3l1U3FfcEY2Y0w2bnRhbVd2X1F5SjhMREZNOHNmMXFLZENpSFhVMEZBTHFtOHNzdHh6YzMxTGdFbTBJc1BzSVI3QWNoVDRiT2FZVTByaWxtMUg1NFdrdldzemFwNERSbEJhSzdwRVF5cDhScllVYmNKVW03bk1ueFZNM1pkcU9LY29HcjBzZElv?oc=5) · ETF.com
- 2025-02-18 [A New Era for Banking Digital Assets May Be on the Horizon - Spencer Fane](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdUZRM2d2RDdPcGRmQWF6WnluaGluakZyRUFwTUlpSE1xOWhzU003NGswXzYyVDcwMmRJS2dqandiaE85TWYxOVRnMXAxcnU3NkFxQmVjRjhLNFlHZWdFWEh2SUJqN2pnZ3ZjLWRVczZIVWZrWVRMajJSY21RZ1ZGbXIxa01jZXZ6UVUyUE15Z3gtRlkxMm5TQ1Jocw?oc=5) · Spencer Fane
- 2025-03-11 [Cantor Fitzgerald partners with digital asset custodians Anchorage Digital and Copper.co to support Bitcoin financing business - Cantor Fitzgerald](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPZURUc2pjU015ckJHcllsaTUxam5OWnc4YVkwWUZuV0pZaU1BVHdLdzJWd3J5MV9YNS1IN2lrcDZVRHpIWDUxQUdaWmFHZTNuRnJ2N2V2YTRpQnNMX2w0NGNvM1hKR1RTSC00dDhEUDBFSlN5SlhXVTc1S2x6NjZLUWprWW9YNkRzMlZSQjVUNy1RQlJqeEJlWXNTbHVoUW16YXdiZXRHUm9jcEEyTjFUVDZUYXVoTW1vb1BMRUNyc0oyUDViWFBBX0x2U0FQMHlUMTc3OGNyQ1ZNSThGVzFYbjJFQjc?oc=5) · Cantor Fitzgerald
- 2026-05-04 [Western Union Launches USDPT on Solana Advancing Regulated Digital Infrastructure for Global Payments - Business Wire](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNUDZKTWFod1d5S19Kb0RDSU1kZl9rNllsM0JONklkZXdVRVBzOGdabFpIRVNRUk5SN2loTlVUNUhXR3NoTG9XVk1sRGVFYWRLcVREdkREN1dwd0tIUV95bjBINVV5VlRYcVdxTDJPQkx0bzlRVEJuWkZDUHNQRXhMRk8xbEV3cGVpa0YwYUE4T3QzSy1mdEM4X3hfZkZuOGpzTmJPMmxDenl6dHQwM0VyTDVWNkdkUjVESW9JTkhUM2NlX0FCUDFxenR2bmx4SmNfdmg2emxubjZoeTM0OXhVV2V6LU00NklqMnhsUVhuYw?oc=5) · Business Wire
- 2026-07-22 [Purpose Investments Becomes First Digital Asset ETF Manager in Canada to Operate a Three-Sub-Custodian Model, Adding Anchorage Digital Bank - The Manila Times](https://news.google.com/rss/articles/CBMitwJBVV95cUxQMG9FTF9vQmg2Y1hQaW9xdzRYaEtKVG9vSGJnQko0WUtZV3lLSUZId3YzMlRFbk4zVDRzbTM4N3h6c25JRm5BcmRCMW1UeTNndzRCNDBwYl9QQmhJWWxzVjVHT2JxS010MDRxbUZrVnVfRDBqSmdhcEEtSnRPNmtNYXBoSi1VNGRiZGVQeTFWS1hsQm5xVmN0SS1QcFNWUzRraDEzNXpQRmVicGJJX2taaUtJT3VScHYyYkdULWdEdEFMazBXYTZGM0s3dWhKTm8zVmtTS0ZMOTRwTnE5c3NqSUhTRHR3TzlUZ0J6cEpvSmplZktnUkg2Yl91QmE0YnBaYmhZWllxU3pmcTZ2bEFxWGdWdFpaZkNsc1BpNURocVlJUmxuVlBZTWVCc1JHbmpvTW16SEItc9IBvAJBVV95cUxQbENmNGt3Qlk4R1RtRzJpRU5nNnlzckJFSGVWblJveU9SQmlDcUVRNTdkMUZsejd1a25Hd3Z0Zk4tTUdQdV9KczlRYmota0d0MTZWYzB4QUM5blZ1YlA2SUNDeEVSQXVHUDFhXzl6N01SdDNrdENMMVFOR3JQbFIzR0hBQUY2RnFoYzhQNWtGM25WN1NFcDZGY09WMjhuak5lTHZPcGVkbjdTRjhLWl82S3NLZ2lKMzhyXzNCSkVCajBsZl9QSGlrS3BSMzhHU3oyOGZjNDBYUldILW1wa2VBODV0SkFoUUJFc0VZZmZTd1l2Y2IxUFFBYVpkSTZoRG9YOU8zbFFRaE1OSWNKU3JTRGdkZHJ5MEZvSlExdEpCOTJtMVNTa0RFV1NQMWNZcGN0QWxIRDBMTXFBTjFy?oc=5) · The Manila Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59276 (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/12.json (key "59276", 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