ANB Bank
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Data as of · sourced from FFIEC call reports. How we update
ANB Bank is an FDIC-insured commercial bank headquartered in Denver, CO, established in 1964 (FDIC certificate 19220), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.85B, down 3.4% from Q2 2025, the 5th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 14.59% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 19220
- Headquarters
- Denver, CO
- Established
- 1964
- Total assets, Q2 2026
- $2.85B
- Assets vs Q2 2025
- -3.4%
- CET1 ratio, Q2 2026
- 14.59%
- Domestic offices
- 32 FDIC institution directory, current count
- Routing number
- 107001232
- Latest call report
- Q2 2026, FFIEC 041 · ANB Bank call report
- Holding company
- STURM FINANCIAL GROUP, INC.
- Asset rank in state
- 5th of 63 in Colorado
Problem loans are rising at ANB Bank. It reported $2.9 billion in assets at June 30, 2026, down 3.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.37% of loans from 0.06% a year earlier. It pays an average of 0.85% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also shrank its loan book 5.5% over the year, lower than about 9 in 10 banks its size (median 5.9%).
Earnings jumped: net income for the quarter was $7.6 million, 46% above the same quarter a year earlier. The commercial and industrial book ($203 million) is worsening: 2.70% of it is past due or on nonaccrual, up from 0.10% a year earlier. Costs are the weak spot: it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, ANB Bank reported a CET1 capital ratio of 14.59%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 3.45%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, ANB Bank is the 5th largest of the 63 banks headquartered in Colorado. From Q1 2026 to Q2 2026, its total assets fell 3.7% to $2.85B, loans were flat and deposits fell 4.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.9% of total loans, followed by non-owner-occupied commercial real estate loans at 13.0%. The FDIC Summary of Deposits lists 29 offices for it, in 23 cities across 2 states; its Denver 2 offices book 23% of its branch deposits. By the capital ratios in its Q2 2026 call report, ANB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3033 E 1st Ave, Denver, CO 80206
- County
- Denver
- Metro Area
- Denver-Aurora-Centennial, CO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 1, 1964
- Former names
- American National Bank (2004-2011); Western National Bank (2002-2004); Western National Bank of Colorado (1991-2002)
- Domestic offices
- 32 FDIC institution directory, current count
- Employees (FTE)
- 499
- Domestic deposits
- $2.55B
- Allowance for credit losses
- $15.0M
- Net charge-offs (YTD)
- $44K
- Average total assets
- $2.88B
- Average total loans
- $1.76B
- Average interest-bearing deposits
- $1.61B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 1, 1964
- FDIC Cert
- 19220
- Fed RSSD
- 828651
- Website
- ANBBANK.COM →
- Parent Holding Company
- STURM FINANCIAL GROUP, INC. (RSSD 2942702)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, ANB Bank's total assets ran between $2.85B (Q2 2026) and $3.19B (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.85B total assets against $2.96B; $2.65B total liabilities against $2.80B.
$1.75B net loans and leases against $1.85B; $2.55B total deposits against $2.52B.
$741.3M securities against $753.1M; $161.0M cash and balances due against $154.7M.
$29.8M total interest income against $30.8M; $5.7M total interest expense against $7.4M.
$24.1M net interest income against $23.4M.
$3.8M total noninterest income against $3.1M; $21.5M total noninterest expense against $21.2M.
-$1.2M provision for credit losses against $171K.
$7.6M net income against $5.2M.
1.06% return on assets against 0.70%; 3.68% net interest margin against 3.48%.
14.59% CET1 capital ratio against 12.67%; 9.52% tier 1 leverage ratio against 8.33%.
Inside the full ANB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
ANB Bank rankings
Its closest position to the top of a national ranking is 442 of 4,196, for total assets; its furthest is 3,078 of 3,606, for efficiency ratio.
Metric pages for ANB Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q3 2024) to 1.14% (Q4 2025) and its net interest margin ran from 3.15% (Q3 2024) to 3.69% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.59% | 1.06% | 0.37% | 3.45% | 3.68% |
| Q1 2026 | 14.19% | 0.67% | 0.43% | 4.98% | 3.66% |
| Q4 2025 | 13.44% | 1.14% | 1.39% | 14.09% | 3.69% |
| Q3 2025 | 12.94% | 0.79% | 0.08% | 2.04% | 3.69% |
| Q2 2025 | 12.67% | 0.70% | 0.06% | 1.94% | 3.48% |
| Q1 2025 | 13.03% | 0.60% | 0.05% | 0.78% | 3.32% |
| Q4 2024 | 12.68% | 0.64% | 0.07% | 1.08% | 3.39% |
| Q3 2024 | 13.85% | 0.57% | 0.03% | 0.88% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 29 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| ANB Bank (main office) | Denver , CO | 80206 | $499.1M |
| Cheyenne Branch | Cheyenne , WY | 82001 | $360.7M |
| Laramie Branch | Laramie , WY | 82070 | $216.6M |
| Cascade Branch | Colorado Springs , CO | 80903 | $178.7M |
| Mesa National Bank Branch | Grand Junction , CO | 81501 | $109.1M |
| Denver Tech Center Branch | Denver , CO | 80237 | $86.7M |
| Aspen Branch | Aspen , CO | 81611 | $85.6M |
| Circle Drive Branch | Colorado Springs , CO | 80909 | $76.5M |
| Patterson Branch | Grand Junction , CO | 81501 | $75.6M |
| Castle Rock Branch | Castle Rock , CO | 80109 | $73.4M |
| Worland Branch | Worland , WY | 82401 | $71.8M |
| Casper Branch | Casper , WY | 82601 | $61.5M |
| Boulder Branch | Boulder , CO | 80302 | $61.1M |
| Academy Branch | Colorado Springs , CO | 80918 | $54.3M |
| Glenwood Springs Branch | Glenwood Springs , CO | 81601 | $53.8M |
| Coronado_Branch | Clifton , CO | 81520 | $53.8M |
| Rifle Branch | Rifle , CO | 81650 | $52.7M |
| Buffalo Branch | Buffalo , WY | 82834 | $47.3M |
| Fort Collins Branch | Fort Collins , CO | 80525 | $45.2M |
| 24 Road Branch | Grand Junction , CO | 81505 | $41.7M |
| Mnb Carbondale Branch | Carbondale , CO | 81623 | $38.3M |
| Briargate Branch | Colorado Springs , CO | 80920 | $36.7M |
| Mnb Telluride Branch | Telluride , CO | 81435 | $35.0M |
| Loveland Branch | Loveland , CO | 80537 | $28.1M |
| Mnb Eagle Branch | Eagle , CO | 81631 | $27.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2020 | M&A | Acquired Community First Data Services, Inc. merger for the acquired bank | SEC |
| January 1, 2020 | Structure Change | Acquired Community First Data Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2014 | M&A | Acquired Capital West Bank merger for the acquired bank | SEC |
| October 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Structure Change | Acquired Capital West Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 26, 2012 | M&A | Acquired Premier Bank merger for the acquired bank | SEC |
| May 26, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 26, 2012 | Structure Change | Acquired Premier Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2004 | Structure Change | Acquired Mesa National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2004 | M&A | Acquired The American National Bank merger for the acquired bank | SEC |
| February 13, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 23, 2002 | Structure Change | Acquired The Bank of Cherry Creek, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 23, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 23, 2002 | M&A | Acquired The Bank of Cherry Creek, National Association merger for the acquired bank | SEC |
| January 1, 1992 | M&A | Acquired The Western National Bank of Colorado merger for the acquired bank | SEC |
| January 1, 1992 | Structure Change | Acquired The Western National Bank of Colorado Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1990 | Structure Change | Acquired First Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 30, 1990 | M&A | Acquired First Federal Savings and Loan Association failure_government_assistance_provided for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 19 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 4 against individuals associated with it
- September 24, 1991, OCC: Formal Agreement: Western National Bank Of Colorado Springs
- Period: Most recent institution action September 24, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in CO, rank 18 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 691 applications, 444 loans originated, $183.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about ANB Bank
What are ANB Bank's total assets?
As of the Q2 2026 filing, ANB Bank reported total assets of $2.85 billion in its FFIEC call report.
Where is ANB Bank headquartered?
It is headquartered in Denver, CO, United States.
When was ANB Bank founded?
It was established in 1964, per the FDIC institution directory.
Is ANB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates ANB Bank?
ANB Bank's primary federal regulator is the Federal Reserve.
What is ANB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does ANB Bank operate?
It operates 32 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is ANB Bank's Texas Ratio?
Its Texas Ratio is 3.45% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was ANB Bank previously called?
The charter now named ANB Bank has also operated as American National Bank (2004-2011), Western National Bank (2002-2004), Western National Bank of Colorado (1991-2002), per FDIC structure-change records.
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