ANB Bank
ANB Bank reported total assets of $2.9 bn at Q2 2026, down 3.4% on a year earlier, the 444th largest of 497 banks in our US coverage. The CET1 capital ratio at ANB Bank was 14.59%, and the uninsured share of ANB Bank was 47.27%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, ANB Bank climbed from 272nd to 131st among 448 US banks between and (1 = highest; FDIC Call Reports).
- ANB Bank has one of the highest efficiency ratio readings among banks of $1 bn to $10 bn: 77.99% at , against a median of 56.87% across 339 banks (FDIC Call Reports).
- Over the year to , the total assets of ANB Bank fell by 3.4% to $2.9 bn, a bigger fall than at 96% of covered banks (FDIC Call Reports).
What sets ANB Bank apart
- Over the year to , the net loans and leases of ANB Bank fell by 5.5% to $1.8 bn, a bigger fall than at 95% of covered banks.
How large is ANB Bank?
The balance sheet of ANB Bank at : assets $2.9 bn, deposits $2.6 bn, net loans $1.8 bn (loans equal to 68.58% of deposits). Securities make up 26.0% of total assets at ANB Bank. Since , when ANB Bank held $2.5 bn, its assets grew 14.9%. In the year to , deposits at ANB Bank rose 1.2% while its total assets fell 3.4%. At , ANB Bank employed 499 full-time equivalent staff across 32 offices, about $5.7 mn of assets per employee and $79.8 mn of deposits per office.
How much funding at ANB Bank is uninsured?
At ANB Bank, uninsured deposits (above the FDIC limit) made up 47.27% of domestic deposits at (+1.40 pp on a year earlier); ANB Bank ranks 107th of 500 on this measure. In dollars, ANB Bank estimated $1.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | +1.2% | 412th of 499 |
| Net loans and leases | $1.8 bn | -5.5% | 467th of 500 |
| Loan-to-deposit ratio | 68.58% | -4.84 pp | 428th of 500 |
| Tier 1 leverage ratio | 9.52% | +1.19 pp | 367th of 500 |
| Total risk-based capital ratio | 15.43% | +1.90 pp | 141st of 448 |
| Net interest margin | 3.60% | +0.27 pp | 265th of 500 |
| Return on assets (ROA) | 0.86% | +0.20 pp | 428th of 500 |
| Efficiency ratio | 77.99% | -3.42 pp | 470th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $43.3 mn | Widened by $519,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $212,000 | Widened by $33,000 | |
| Noncurrent loans to total loans | 0.37% | +0.31 pp | 135th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 84th of 500 (1 = lowest) |
US rank of ANB Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
ANB Bank: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.6bn
- Net loans $1.8bn
Capital and securities
The CET1 ratio of ANB Bank stood at 14.59% in , +1.92 pp year on year. Low and high at ANB Bank since : 11.93% () to 16.35% (). Equity capital of ANB Bank at : $203.9 mn, or 7.1% of total assets. ANB Bank also reported a total capital ratio of 15.43% for , and a tier 1 leverage ratio of 9.52%.
On held-to-maturity securities, ANB Bank carried an unrealized loss of $43.3 mn at , equal to 21.3% of equity capital. The loss widened by $519,000 over the year. Its deepest point: $60.5 mn in . The available-for-sale portfolio of ANB Bank showed an unrealized loss of $212,000 at ; the loss widened by $33,000 over the year.
ANB Bank: capital ratios
- Total capital 15%
- CET1 15%
- Tier 1 leverage 9.5%
ANB Bank: unrealized securities gains and losses
- Available for sale -$212,000
- Held to maturity -$43mn
Profitability and loan quality
For the year to , ANB Bank earned a return on equity of 13.09%; return on assets: 0.86%. Net interest margin at ANB Bank: 3.60%, +0.27 pp in a year. ANB Bank net income: $12.6 mn, up 30.4% year on year. The efficiency ratio of ANB Bank was 77.99%: about 78 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.37% of total loans at ANB Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at ANB Bank: $1.8 bn, down 5.5% in a year.
ANB Bank: profitability
- Return on equity 13%
- Net interest margin 3.6%
- Return on assets 0.9%
Peer group of ANB Bank
The peer group of ANB Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of ANB Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Colorado. Against them, ANB Bank shows CET1 ratio 14.59% against a peer median of 15.71%, return on equity 13.09% against a peer median of 11.82% and uninsured deposit share 47.27% against a peer median of 40.05%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| WebBank | State nonmember bank | UT | $2.9 bn | 18.10% | 28.37% | 13.87% | |
| Bank Independent | State member bank | AL | $2.9 bn | 13.22% | 6.52% | 42.85% | |
| Industrial and Commercial Bank of China USA | National bank | NY | $2.9 bn | 17.53% | 3.88% | 37.25% | |
| ANB Bank | State member bank | CO | $2.9 bn | 14.59% | 13.09% | 47.27% | |
| Lakeside Bank | State nonmember bank | IL | $2.9 bn | 12.41% | 17.28% | 51.67% | |
| American Momentum Bank | State nonmember bank | TX | $2.8 bn | 24.90% | 5.78% | 47.53% | |
| Armstrong Bank | State member bank | OK | $2.8 bn | 13.89% | 17.13% | 24.46% | |
. FDIC Call Reports.
Last eight quarters
Two years at ANB Bank, to : assets -5.5%, deposits +0.6%, equity +19.5%. Staff 502 to 499; offices 33 to 32.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.0 bn | $3.0 bn | $2.9 bn | $3.0 bn | $2.9 bn | $3.0 bn | $3.0 bn | $2.9 bn |
| Total deposits | $2.5 bn | $2.6 bn | $2.5 bn | $2.5 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.6 bn |
| Bank equity capital | $170.6 mn | $147.3 mn | $158.2 mn | $156.0 mn | $167.6 mn | $181.3 mn | $191.5 mn | $203.9 mn |
| CET1 ratio | 13.85% | 12.68% | 13.03% | 12.67% | 12.94% | 13.44% | 14.19% | 14.59% |
| Return on equity (ROE) | 11.35% | 11.75% | 11.60% | 12.55% | 13.10% | 14.72% | 10.66% | 13.09% |
| Uninsured share of domestic deposits | 46.48% | 45.23% | 45.24% | 45.86% | 48.17% | 49.12% | 48.57% | 47.27% |
| Full-time equivalent employees | 502 | 513 | 506 | 508 | 508 | 500 | 502 | 499 |
| Number of offices | 33 | 33 | 33 | 33 | 33 | 32 | 32 | 32 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by ANB Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of ANB Bank?
ANB Bank reported $2.9 bn at in its Call Report. That makes ANB Bank the 444th largest of 497 banks in our US coverage.
Is ANB Bank the same as its holding company?
No. This page covers ANB Bank, FDIC certificate 19220; STURM FINANCIAL GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is ANB Bank profitable?
ANB Bank reported net income of $12.6 mn for the year to ; annualized return on equity: 13.09%. So yes: ANB Bank made a profit over these months.
When is data for ANB Bank next updated?
Figures from ANB Bank for are due after .
Where can I check the figures for ANB Bank?
In the FDIC BankFind Suite record for certificate 19220, and in the Call Reports of ANB Bank (RSSD ID 828651) at the FFIEC Central Data Repository.