ANB Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Retained earnings: 38.7% higher than in Q1 2026, at $27.3M. Within Colorado, ANB Bank is 20th of 34 on CET1 ratio, 14.59% as of Q2 2026. ANB Bank reported 14.59% on CET1 ratio for Q2 2026, 1.10 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.59% |
| Tier 1 risk-based capital ratio | 14.59% |
| Total risk-based capital ratio | 15.43% |
| Tier 1 leverage ratio | 9.52% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $274.3M |
| Tier 1 capital | $274.3M |
| Total risk-based capital | $290.2M |
| Total equity capital | $203.9M |
| Risk-weighted assets | $1.88B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.14% |
| Tangible equity to tangible assets | 7.14% |
| Equity capital to average assets | 7.08% |
| Internal capital growth rate | 15.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $244.5M |
| Retained earnings | $27.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$70.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.91% | 13.91% | 14.67% | 8.94% | $2.05B |
| Q4 2023 | 12.90% | 12.90% | 13.65% | 8.49% | $2.09B |
| Q1 2024 | 13.59% | 13.59% | 14.35% | 8.75% | $2.02B |
| Q2 2024 | 13.51% | 13.51% | 14.29% | 9.08% | $2.06B |
| Q3 2024 | 13.85% | 13.85% | 14.66% | 9.25% | $2.04B |
| Q4 2024 | 12.68% | 12.68% | 13.53% | 8.36% | $1.99B |
| Q1 2025 | 13.03% | 13.03% | 13.88% | 8.71% | $1.97B |
| Q2 2025 | 12.67% | 12.67% | 13.54% | 8.33% | $1.95B |
| Q3 2025 | 12.94% | 12.94% | 13.83% | 8.65% | $1.96B |
| Q4 2025 | 13.44% | 13.44% | 14.27% | 8.89% | $1.95B |
| Q1 2026 | 14.19% | 14.19% | 15.10% | 8.99% | $1.88B |
| Q2 2026 | 14.59% | 14.59% | 15.43% | 9.52% | $1.88B |
ANB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock ANB Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full ANB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19220) · FFIEC NIC profile (RSSD 828651)