ANB Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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 0.44% and a Texas ratio of 3.45%, according to its call report filed with the FFIEC.
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)
- Offices
- 32 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full ANB Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock ANB 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 29 branches →
| 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 | M&A | Acquired The American National Bank merger for the acquired bank | SEC |
| February 14, 2004 | Structure Change | Acquired The American National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 13, 2004 | 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 |
| March 23, 2002 | 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 |
| 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 | M&A | Acquired First Federal Savings and Loan Association failure_government_assistance_provided for the acquired bank | SEC |
| June 30, 1990 | Structure Change | Acquired First Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
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
What the public regulatory sources show for ANB Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 124 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is ANB Bank headquartered?
ANB Bank is headquartered in Denver, CO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was ANB Bank founded?
ANB Bank was established in 1964, per the FDIC institution directory.
Is ANB Bank FDIC-insured?
Yes. ANB Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is ANB Bank's CET1 capital ratio?
ANB Bank 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?
ANB Bank 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?
ANB Bank's Texas Ratio is 3.45% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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